风控模型开发验证报告

实验 ID: DEV-20260909-104414-6797 · 生成时间: 2026-09-09 02:45 UTC · 报告结构：标准14节模型开发验证模板

00 模型概要信息

项目内容
模型名称exp_MON-mtthvq2j-add6
开发完成日期2026-09-09
模型开发人员（人工填写）
模型开发人员邮件地址（人工填写）
模型验证人员（人工填写）
模型验证人员邮件地址（人工填写）
模型应用环节preloan_approval
模型应用频率（人工填写）
模型开发背景及业务用途描述Monitor run
模型适用产品/客户描述（人工填写）
模型重开发原因（如有）—
模型拟监控频率（人工填写）
模型路线LR + WOE 评分卡
目标变量flag_30
实验 IDDEV-20260909-104414-6797
待补充：模型开发/验证人员、应用频率、产品描述等字段需人工补填。

01 模型设计

建模数据样本窗口

项目内容
切分方式时间切分
开发样本(Train)窗口2025-03-01 ~ 2025-04-30
预留验证样本(Val)窗口2025-05-01 ~ 2025-05-14
跨时间验证样本(OOT)窗口2025-05-15 ~ 2026-04-17

模型好坏定义

项目内容
目标变量flag_30
坏样本(BAD=1)占比16.67%
好样本(BAD=0)占比—
不确定样本本流程要求目标变量已预计算为 0/1 二值，不确定样本请在上游合并口径

样本排除规则

序号排除规则说明
1id_no主键/时间/口径字段，不入模
2apply_dt主键/时间/口径字段，不入模
3flag_30 为空排除 0 行

滚动率分析

待补充：滚动率分析（M0→M6+ 状态迁移矩阵）需要逾期状态口径数据，当前流程目标变量为上游已计算的二值标签，暂未生成。
待补充：表现窗口及坏账率分析、模型细分定义需结合业务口径人工补充。

02 数据流

开发时点 — 样本排除

类别样本数
全部样本25986
排除：目标变量为空0
排除后样本25986

注：按照01模型设计的排除规则统计；当前流程的排除项为目标变量缺失。

开发时点 — 开发/预留验证拆分

类别样本数好样本坏样本坏样本率
开发样本1582213184263816.67%
预留验证样本5210457663412.17%

注：当前流程未做样本加权（权重均为1），如需坏样本加权需在上游扩展。

OOT 时点 / PSI 时点

类别样本数好样本坏样本坏样本率
跨时间验证样本(OOT)49543894106021.40%

03 单变量分析（细分箱）

risk_score — IV 0.0909，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]398137272546.38%0.2728
2(1.5, 2.5]5083436272114.18%0.0718
3(2.5, 3.5]2829224258720.75%-0.0757
4(3.5, 4.5]1751133142023.99%-0.0929
5(4.5, inf]2112146864430.49%-0.1973
ScoreCust2 — IV 0.0772，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 603.5]2598186273628.33%-0.1948
2(603.5, 723.5]49633936102720.69%-0.1079
3(723.5, 747.5]1247102022718.20%-0.0150
4(747.5, 802.5]2807242238513.72%0.0567
5(802.5, 844.5]162514841418.68%0.1014
6(844.5, inf]258224611214.69%0.2294
model_risk_v9_sxiaojin_score — IV 0.0757，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 35.5]226021431175.18%0.1972
2(35.5, 42.5]290226162869.86%0.1378
3(42.5, 50.5]4664396070415.09%0.0413
4(50.5, 53.5]1628129932920.21%-0.0440
5(53.5, 58.5]2104159451024.24%-0.1122
6(58.5, inf]2145148366230.86%-0.2064
model_risk_v9_stongyong_score — IV 0.0752，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 38.5]295027801705.76%0.2313
2(38.5, 44.5]2366211525110.61%0.1039
3(44.5, 48.5]2044174829614.48%0.0321
4(48.5, 54.5]3128257055817.84%-0.0251
5(54.5, 64.5]3784292386122.75%-0.1379
6(64.5, inf]143195947232.98%-0.1722
ScoreCust1 — IV 0.0708，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 622.5]2312166764527.90%-0.1728
2(622.5, 707.5]3786296482221.71%-0.1133
3(707.5, 749.5]2358191943918.62%-0.0319
4(749.5, 786.5]2197189330413.84%0.0450
5(786.5, 833.5]2239197526411.79%0.0795
6(833.5, inf]293027671635.56%0.2339
cust_seg2 — IV 0.0638，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.5]361333192948.14%0.2071
2(2.5, 3.5]79146652126215.95%0.0262
3(3.5, inf]42293159107025.30%-0.2032
score92663 — IV 0.0617，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 38.77465057373047]259324441495.75%0.2090
2(38.77465057373047, 46.850149154663086]3187283535211.04%0.1208
3(46.850149154663086, 54.091299057006836]3415284756816.63%-0.0006
4(54.091299057006836, 59.89684867858887]2771221156020.21%-0.0664
5(59.89684867858887, 66.37909698486328]2236171352323.39%-0.1049
6(66.37909698486328, inf]1496104145530.41%-0.1518
repay_amt_6m_grade — IV 0.0586，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]81076344176321.75%-0.1751
2(1.5, 4.5]2733227046316.94%-0.0051
3(4.5, 5.5]1491130918212.21%0.0520
4(5.5, 6.5]138212761067.67%0.1000
5(6.5, inf]204319311125.48%0.1760
score_50021 — IV 0.0581，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.005150000099092722]12021154483.99%0.1278
2(0.005150000099092722, 0.007949999999254942]160814891197.40%0.1189
3(0.007949999999254942, 0.014750000089406967]4433387256112.66%0.1073
4(0.014750000089406967, 0.02075000014156103]3214265955517.27%-0.0144
5(0.02075000014156103, 0.03645000047981739]3655279685923.50%-0.1525
6(0.03645000047981739, inf]135993542431.20%-0.1502
risk_v8_slowirr — IV 0.0561，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 21.5]13531308453.33%0.1482
2(21.5, 31.5]191017571538.01%0.1268
3(31.5, 46.5]4029349253713.33%0.0826
4(46.5, 61.5]4358355680218.40%-0.0456
5(61.5, 70.5]2251173551622.92%-0.0984
6(70.5, inf]1797124355430.83%-0.1803
dxm_2025v2 — IV 0.0544，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 379.5]2657195070726.61%-0.1702
2(379.5, 387.5]1648126838023.06%-0.0773
3(387.5, 398.5]2744221453019.31%-0.0483
4(398.5, 412.5]3745314859715.94%0.0169
5(412.5, 438.5]3548318636210.20%0.1517
6(438.5, inf]14801419614.12%0.1497
first_loan_length_grade — IV 0.0537，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]2050153251825.27%-0.1228
2(1.5, 4.5]124490334127.41%-0.1020
3(4.5, 6.5]2680212855220.60%-0.0702
4(6.5, inf]97828567121512.42%0.1799
bh_CO4001score — IV 0.0536，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 36.5]14781398805.41%0.1334
2(36.5, 39.5]136312471168.51%0.0889
3(39.5, 45.5]4252366658613.78%0.0745
4(45.5, 47.5]1728144927916.15%0.0068
5(47.5, 50.5]2508205445418.10%-0.0247
6(50.5, inf]44923370112224.98%-0.2028
adr_stability_grade — IV 0.0534，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 3.5]52974049124823.56%-0.1877
2(3.5, 5.5]1602128731519.66%-0.0360
3(5.5, 6.5]1508126524316.11%0.0064
4(6.5, 7.5]2307198032714.17%0.0412
5(7.5, 9.5]3603321339010.82%0.1383
6(9.5, inf]143913361037.16%0.1097
PY083P — IV 0.0473，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 571.5]3126230482226.30%-0.1874
2(571.5, 597.5]2218177144720.15%-0.0554
3(597.5, 629.5]3293273455916.98%-0.0079
4(629.5, 674.5]3693317352014.08%0.0594
5(674.5, 725.5]202218251979.74%0.1051
6(725.5, inf]13571294634.64%0.1331
model_1034467 — IV 0.0470，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.0710735023021698]15351453825.34%0.1437
2(0.0710735023021698, 0.08746149763464928]3044273431010.18%0.1383
3(0.08746149763464928, 0.0934550017118454]114499115313.37%0.0303
4(0.0934550017118454, 0.09958449751138687]1415116824717.46%-0.0106
5(0.09958449751138687, 0.16508999466896057]60534835121820.12%-0.1118
6(0.16508999466896057, inf]1921143448725.35%-0.1245
have_car_prob_grade — IV 0.0447，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]96337705192820.01%-0.1272
2(1.5, inf]6123542569811.40%0.1760
tot_pay_amt_6m_grade — IV 0.0413，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]58714534133722.77%-0.1771
2(1.5, 2.5]2131178135016.42%0.0037
3(2.5, 3.5]1437122721014.61%0.0230
4(3.5, 5.5]3107269641113.23%0.0717
5(5.5, 7.5]1710153018010.53%0.0810
6(7.5, inf]150013621389.20%0.0886
positive_biz_cnt_1y_grade — IV 0.0357，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]46733655101821.78%-0.1314
2(1.5, 3.5]1842150633618.24%-0.0213
3(3.5, 8.5]1337107626119.52%-0.0295
4(8.5, inf]79046893101112.79%0.1468
avg_bal_6m_grade — IV 0.0335，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]78776243163420.74%-0.1402
2(1.5, 3.5]2058172133716.38%0.0044
3(3.5, 4.5]1276110916713.09%0.0364
4(4.5, 7.5]2908256134711.93%0.0949
5(7.5, inf]163714961418.61%0.1033
model_1034468 — IV 0.0283，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.07395549863576889]190717891186.19%0.1594
2(0.07395549863576889, 0.08735150098800659]3340288545513.62%0.0659
3(0.08735150098800659, 0.09519950300455093]1735145428116.20%0.0044
4(0.09519950300455093, 0.13253449648618698]4357354481318.66%-0.0556
5(0.13253449648618698, 0.1800609976053238]2532199753521.13%-0.0816
6(0.1800609976053238, inf]124194629523.77%-0.0724
repayment_ability_rank2 — IV 0.0256，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]166515061599.55%0.0922
2(1.5, 2.5]4245370454112.74%0.1023
3(2.5, 3.5]55514551100018.01%-0.0396
4(3.5, inf]4295336992621.56%-0.1195
zszs_xy_score — IV 0.0255，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 685.5]1466108238426.19%-0.1063
2(685.5, 696.5]1905146444123.15%-0.0906
3(696.5, 712.5]4431363579617.96%-0.0358
4(712.5, 731.5]4836413869814.43%0.0607
5(731.5, 742.5]156514111549.84%0.0839
6(742.5, inf]136812591097.97%0.0961
xmf_v11xj — IV 0.0229，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 397.5]2559198257722.55%-0.1021
2(397.5, 410.5]2655214051519.40%-0.0501
3(410.5, 433.5]4868399986917.85%-0.0338
4(433.5, 444.5]1553130924415.71%0.0109
5(444.5, 474.5]2769245831111.23%0.1054
6(474.5, inf]12181138806.57%0.1012
mobile_fixed_grade — IV 0.0195，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 4.5]2582211047218.28%-0.0284
2(4.5, 6.5]2921228463721.81%-0.0970
3(6.5, 7.5]3633294868518.85%-0.0489
4(7.5, 8.5]2735230842715.61%0.0197
5(8.5, 9.5]2667236530211.32%0.1006
6(9.5, inf]121811151038.46%0.0813
dev_stability_grade2 — IV 0.0179，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1847162122612.24%0.0619
2(1.5, 2.5]6332542790514.29%0.0782
3(2.5, 3.5]3996328571117.79%-0.0270
4(3.5, inf]3581279778421.89%-0.1133
have_fang_prob_grade — IV 0.0144，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]105128578193418.40%-0.0696
2(1.5, inf]5244455269213.20%0.1034
bh_a113 — IV 0.0137，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]84567268118814.05%0.0845
2(0.5, 1.5]3227260861919.18%-0.0721
3(1.5, inf]2098169240619.35%-0.0560
bh_a104 — IV 0.0125，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]84567268118814.05%0.0845
2(0.5, 1.5]1725135836721.28%-0.0755
3(1.5, 2.5]1240101922117.82%-0.0198
4(2.5, 4.5]110789521219.15%-0.0314
5(4.5, inf]1253102822517.96%-0.0215
last_6m_avg_asset_total_grade — IV 0.0123，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]79906463152719.11%-0.0861
2(1.5, 2.5]1195101817714.81%0.0177
3(2.5, 3.5]3002252747515.82%0.0169
4(3.5, 5.5]1839158325613.92%0.0379
5(5.5, inf]1730153919111.04%0.0748
bh_h163 — IV 0.0101，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 11.444999694824219]106369056158014.86%0.0552
2(11.444999694824219, inf]3145251263320.13%-0.0917
bh_a112 — IV 0.0096，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]96788263141514.62%0.0637
2(0.5, 1.5]2892232556719.61%-0.0758
3(1.5, inf]121198023119.08%-0.0331
bh_a220 — IV 0.0095，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 10.554999828338623]1508128222614.99%0.0144
2(10.554999828338623, 54.10999870300293]5835501781814.02%0.0712
3(54.10999870300293, 63.2450008392334]1687142026715.83%0.0034
4(63.2450008392334, 68.81999969482422]1401116223917.06%-0.0124
5(68.81999969482422, 5098.075000762939]1869147039921.35%-0.0814
6(5098.075000762939, inf]1471120826317.88%-0.0235
bh_a111 — IV 0.0092，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]111879511167614.98%0.0503
2(0.5, inf]2594205753720.70%-0.0914
bh_a211 — IV 0.0091，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.9649999737739563]1490126822214.90%0.0154
2(1.9649999737739563, 23.835000038146973]1748155019811.33%0.0729
3(23.835000038146973, 36.89500045776367]1575134323214.73%0.0185
4(36.89500045776367, 47.439998626708984]1374113523917.39%-0.0163
5(47.439998626708984, 53.68000030517578]108493714713.56%0.0255
6(53.68000030517578, inf]65005326117418.06%-0.0703
bh_h171 — IV 0.0090，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 9.069999694824219]98988447145114.66%0.0625
2(9.069999694824219, 48.6200008392334]2833229254119.10%-0.0643
3(48.6200008392334, inf]105082922121.05%-0.0482
bh_a103 — IV 0.0082，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]96788263141514.62%0.0637
2(0.5, 1.5]1545122831720.52%-0.0594
3(1.5, 2.5]111390321018.87%-0.0287
4(2.5, inf]1445117427118.75%-0.0343
bh_h155 — IV 0.0079，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 15.6899995803833]115569811174515.10%0.0452
2(15.6899995803833, inf]2225175746821.03%-0.0875
bh_h006 — IV 0.0075，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.10499999672174454]1599134025916.20%-0.0019
2(0.10499999672174454, 2.0649999380111694]5224449073414.05%0.0657
3(2.0649999380111694, 2.725000023841858]1399114925017.87%-0.0225
4(2.725000023841858, 3.4850000143051147]110294915313.88%0.0224
5(3.4850000143051147, 8.305000305175781]3412277363918.73%-0.0642
6(8.305000305175781, inf]104586717817.03%-0.0095
score_dz — IV 0.0071，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 600.0]5124419293218.19%-0.0659
2(600.0, 630.0]1290107221816.90%-0.0098
3(630.0, 659.5]105090114914.19%0.0184
4(659.5, 701.0]1280107021016.41%-0.0040
5(701.0, 780.0]2343204429912.76%0.0634
6(780.0, inf]2699229340615.04%0.0214
bh_a102 — IV 0.0069，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]111879511167614.98%0.0503
2(0.5, 1.5]121694627022.20%-0.0669
3(1.5, inf]1378111126719.38%-0.0405
bh_h001 — IV 0.0059，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]4780408070014.64%0.0436
2(1.5, 2.5]3876330357314.78%0.0345
3(2.5, 3.5]2672221046217.29%-0.0253
4(3.5, inf]2458197947919.49%-0.0654
bh_a101 — IV 0.0057，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1228610405188115.31%0.0360
2(0.5, inf]1495116333222.21%-0.0792
bh_a110 — IV 0.0057，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1228610405188115.31%0.0360
2(0.5, inf]1495116333222.21%-0.0792
bh_h005 — IV 0.0056，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.23499999940395355]3272275152115.92%0.0032
2(0.23499999940395355, 0.6150000095367432]107994613312.33%0.0380
3(0.6150000095367432, 2.284999966621399]4484381966514.83%0.0364
4(2.284999966621399, 2.915000081062317]113893620217.75%-0.0177
5(2.915000081062317, 4.055000066757202]1238105018815.19%0.0099
6(4.055000066757202, inf]2570206650419.61%-0.0699
BH_A356 — IV 0.0055，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1494127222214.86%0.0159
2(0.5, 1.5]2593224335013.50%0.0529
3(1.5, 2.5]2189184334615.81%0.0045
4(2.5, 3.5]1548131623214.99%0.0147
5(3.5, 5.5]1987165633116.66%-0.0099
6(5.5, inf]3970323873218.44%-0.0632
bh_a218 — IV 0.0054，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 20.71500015258789]2262193233014.59%0.0302
2(20.71500015258789, 45.80000114440918]1935161432116.59%-0.0085
3(45.80000114440918, 58.11000061035156]2409207733213.78%0.0487
4(58.11000061035156, 91.29000091552734]3161258158018.35%-0.0549
5(91.29000091552734, 10150.0]1542131522714.72%0.0204
6(10150.0, inf]114893221618.82%-0.0309
BH_A352 — IV 0.0053，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]6249532192814.85%0.0433
2(0.5, 1.5]3584302955515.49%0.0146
3(1.5, 2.5]1799150229716.51%-0.0069
4(2.5, inf]2149171643320.15%-0.0704
bh_h002 — IV 0.0052，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.15000000596046448]80486795125315.57%0.0197
2(0.15000000596046448, 0.8849999904632568]1635141122413.70%0.0339
3(0.8849999904632568, 1.6850000023841858]113293819417.14%-0.0113
4(1.6850000023841858, 2.4350000619888306]1206103716914.01%0.0228
5(2.4350000619888306, inf]1760138737321.19%-0.0756
bh_a047 — IV 0.0052，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]91497781136814.95%0.0476
2(0.5, 2.5]2257189536216.04%0.0004
3(2.5, 5.5]106685321319.98%-0.0385
4(5.5, inf]1309103927020.63%-0.0531
BH_A353 — IV 0.0051，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]5197442477314.87%0.0383
2(0.5, 1.5]3686314354314.73%0.0347
3(1.5, 2.5]1998165034817.42%-0.0225
4(2.5, 3.5]116096519516.81%-0.0080
5(3.5, inf]1740138635420.34%-0.0628
bh_a009 — IV 0.0050，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]2343193341017.50%-0.0269
2(1.5, 3.5]2019164237718.67%-0.0433
3(3.5, 5.5]1343113820515.26%0.0096
4(5.5, 10.5]2124177135316.62%-0.0098
5(10.5, 32.5]3808328852013.66%0.0649
6(32.5, inf]2144179634816.23%-0.0030
bh_a179 — IV 0.0049，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 14.974999904632568]6101520889314.64%0.0587
2(14.974999904632568, 24.719999313354492]1728141930917.88%-0.0269
3(24.719999313354492, 31.18000030517578]95877418419.21%-0.0295
4(31.18000030517578, 41.564998626708984]96080715315.94%0.0027
5(41.564998626708984, 64.85499954223633]107487320118.72%-0.0273
6(64.85499954223633, inf]1466121525117.12%-0.0130
bh_h007 — IV 0.0049，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.0549999475479126]3327281551215.39%0.0163
2(1.0549999475479126, 1.524999976158142]1245110014511.65%0.0510
3(1.524999976158142, 1.9950000047683716]105890715114.27%0.0177
4(1.9950000047683716, 3.6149998903274536]2804232847616.98%-0.0196
5(3.6149998903274536, 4.704999923706055]1271108218914.87%0.0138
6(4.704999923706055, inf]4076333674018.16%-0.0567
bh_a201 — IV 0.0048，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 8.574999809265137]1902161328915.19%0.0177
2(8.574999809265137, 47.72500038146973]2749227647317.21%-0.0226
3(47.72500038146973, 61.64999961853027]2227191631113.96%0.0445
4(61.64999961853027, 95.32500076293945]2203181239117.75%-0.0297
5(95.32500076293945, 10150.0]1585136921613.63%0.0394
6(10150.0, inf]1621131031119.19%-0.0452
bh_a056 — IV 0.0048，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]91497781136814.95%0.0476
2(0.5, 1.5]2346196238416.37%-0.0058
3(1.5, 3.5]115792623119.97%-0.0411
4(3.5, inf]112989923020.37%-0.0444
bh_h003 — IV 0.0047，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.14499999582767487]5902497392915.74%0.0109
2(0.14499999582767487, 0.8149999976158142]1454124620814.31%0.0228
3(0.8149999976158142, 1.4950000047683716]1445120923616.33%-0.0035
4(1.4950000047683716, 2.6049998998641968]2137185428313.24%0.0503
5(2.6049998998641968, 4.7850000858306885]1785146332218.04%-0.0299
6(4.7850000858306885, inf]105882323522.21%-0.0596
BH_A354 — IV 0.0047，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]3341283850315.06%0.0245
2(0.5, 1.5]3503301548813.93%0.0542
3(1.5, 2.5]2227185637116.66%-0.0108
4(2.5, 3.5]1500125124916.60%-0.0072
5(3.5, 6.5]2150174440618.88%-0.0490
6(6.5, inf]106086419618.49%-0.0239
BH_A340 — IV 0.0046，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]98218309151215.40%0.0292
2(0.5, 1.5]1921163528614.89%0.0191
3(1.5, inf]2039162441520.35%-0.0710
BH_A342 — IV 0.0046，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]6249532192814.85%0.0433
2(0.5, 1.5]2263190136216.00%0.0011
3(1.5, 2.5]1239106417514.12%0.0220
4(2.5, 4.5]1548130124715.96%0.0014
5(4.5, 7.5]1271101126020.46%-0.0500
6(7.5, inf]121197024119.90%-0.0420
bh_a219 — IV 0.0045，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 47.21500015258789]4628393569314.97%0.0357
2(47.21500015258789, 51.78499984741211]2030175028013.79%0.0410
3(51.78499984741211, 63.52499961853027]1577132325416.11%0.0005
4(63.52499961853027, 74.7750015258789]1784148330116.87%-0.0113
5(74.7750015258789, 91.98999786376953]1267100126620.99%-0.0561
6(91.98999786376953, inf]2071170936217.48%-0.0232
BH_A343 — IV 0.0044，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]5197442477314.87%0.0383
2(0.5, 1.5]2176185432214.80%0.0226
3(1.5, 2.5]1283108020315.82%0.0028
4(2.5, 4.5]1713144826515.47%0.0087
5(4.5, 7.5]1432117425818.02%-0.0248
6(7.5, inf]1980158839219.80%-0.0607
bh_a210 — IV 0.0044，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 3.884999990463257]1861158028115.10%0.0169
2(3.884999990463257, 26.545000076293945]1678147120712.34%0.0576
3(26.545000076293945, 56.55000114440918]3599299860116.70%-0.0144
4(56.55000114440918, 67.02499771118164]1609137423514.61%0.0222
5(67.02499771118164, 75.3599967956543]101081219819.60%-0.0332
6(75.3599967956543, inf]3600296663417.61%-0.0376
bh_a178 — IV 0.0044，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 4.609999895095825]5326455077614.57%0.0570
2(4.609999895095825, 9.46500015258789]1266106719915.72%0.0061
3(9.46500015258789, 14.070000171661377]108388819518.01%-0.0198
4(14.070000171661377, 20.34000015258789]1260104321717.22%-0.0127
5(20.34000015258789, 30.90000057220459]98379119219.53%-0.0334
6(30.90000057220459, inf]2369195741217.39%-0.0241
BH_A355 — IV 0.0043，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]2247191733014.69%0.0252
2(0.5, 1.5]3054262942513.92%0.0496
3(1.5, 3.5]3724311660816.33%-0.0070
4(3.5, 5.5]1954162233216.99%-0.0152
5(5.5, 9.5]1706136733919.87%-0.0551
6(9.5, inf]109691717916.33%-0.0028
bh_h004 — IV 0.0042，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.125]4204354466015.70%0.0101
2(0.125, 0.6650000214576721]1141100114012.27%0.0405
3(0.6650000214576721, 1.5149999856948853]2831239843315.29%0.0166
4(1.5149999856948853, 2.4350000619888306]1599136923014.38%0.0236
5(2.4350000619888306, 5.634999990463257]2898238851017.60%-0.0334
6(5.634999990463257, inf]110886824021.66%-0.0565
bh_a066 — IV 0.0042，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]5221445976214.59%0.0476
2(0.5, 1.5]1245105419115.34%0.0082
3(1.5, 4.5]2209179241718.88%-0.0499
4(4.5, 7.5]1309110320615.74%0.0038
5(7.5, 17.5]2228183639217.59%-0.0276
6(17.5, inf]1569132424515.62%0.0061
bh_a119 — IV 0.0041，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]3832323659615.55%0.0135
2(0.5, 1.5]2034173330114.80%0.0215
3(1.5, 2.5]1430121121915.31%0.0095
4(2.5, 4.5]2019173628314.02%0.0347
5(4.5, 9.5]2461204841316.78%-0.0141
6(9.5, inf]2005160440120.00%-0.0645
bh_a150 — IV 0.0041，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]57024702100017.54%-0.0489
2(0.5, 1.5]3489296252715.10%0.0240
3(1.5, 2.5]1877156431316.68%-0.0098
4(2.5, 3.5]114597217315.11%0.0101
5(3.5, inf]1568136820012.76%0.0461
bh_a126 — IV 0.0040，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]77226522120015.54%0.0205
2(0.5, 1.5]3356287048614.48%0.0388
3(1.5, 2.5]1436118025617.83%-0.0225
4(2.5, inf]126799627121.39%-0.0602
BH_A345 — IV 0.0040，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]3672314552714.35%0.0447
2(1.5, 3.5]2088173934916.71%-0.0113
3(3.5, 5.5]1450124021014.48%0.0205
4(5.5, 9.5]1822153728515.64%0.0065
5(9.5, 35.5]3676301166518.09%-0.0515
6(35.5, inf]107389617716.50%-0.0044
bh_a209 — IV 0.0039，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 36.415000915527344]4255364660914.31%0.0548
2(36.415000915527344, 48.93499946594238]107186720419.05%-0.0316
3(48.93499946594238, 68.09000015258789]2437204739016.00%0.0021
4(68.09000015258789, 78.75500106811523]98079019019.39%-0.0327
5(78.75500106811523, 10150.0]1909160630315.87%0.0040
6(10150.0, inf]1805149531017.17%-0.0177
bh_a160 — IV 0.0039，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 5.5]1825146835719.56%-0.0550
2(5.5, 20.5]2869239747216.45%-0.0059
3(20.5, 29.5]98685013613.79%0.0243
4(29.5, 59.5]1827150931817.41%-0.0200
5(59.5, 117.5]1810156025013.81%0.0400
6(117.5, inf]3187269549215.44%0.0190
bh_a120 — IV 0.0038，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]2830239044015.55%0.0111
2(0.5, 3.5]4313365366015.30%0.0217
3(3.5, 6.5]2185188330213.82%0.0405
4(6.5, 9.5]1337110922817.05%-0.0119
5(9.5, 17.5]1869150136819.69%-0.0564
6(17.5, inf]1247103221517.24%-0.0134
BH_A350 — IV 0.0038，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]98218309151215.40%0.0292
2(0.5, 1.5]2637222441315.66%0.0082
3(1.5, inf]1323103528821.77%-0.0667
bh_a117 — IV 0.0038，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]77226522120015.54%0.0205
2(0.5, 1.5]2293196632714.26%0.0337
3(1.5, 3.5]2053171733616.37%-0.0052
4(3.5, inf]1713136335020.43%-0.0632
bh_h010 — IV 0.0037，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.165000081062317]87687453131515.00%0.0447
2(2.165000081062317, 2.274999976158142]1611132328817.88%-0.0253
3(2.274999976158142, 2.6750000715255737]105988617316.34%-0.0027
4(2.6750000715255737, 4.770000219345093]113693719917.52%-0.0152
5(4.770000219345093, inf]120796923819.72%-0.0399
bh_h011 — IV 0.0036，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.9649999737739563]77166560115614.98%0.0428
2(0.9649999737739563, 2.1700000762939453]2583214543816.96%-0.0181
3(2.1700000762939453, 3.25]107091215814.77%0.0129
4(3.25, 4.800000190734863]1340109524518.28%-0.0266
5(4.800000190734863, inf]107285621620.15%-0.0403
bh_a141 — IV 0.0036，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]57024702100017.54%-0.0489
2(0.5, 1.5]2066175431215.10%0.0165
3(1.5, 3.5]2298192637216.19%-0.0024
4(3.5, 6.5]1775151226314.82%0.0190
5(6.5, inf]1940167426613.71%0.0388
bh_a062 — IV 0.0035，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]96918196149515.43%0.0276
2(0.5, 1.5]1373117519814.42%0.0203
3(1.5, 3.5]1419112329620.86%-0.0596
4(3.5, inf]1298107422417.26%-0.0140
bh_a199 — IV 0.0034，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 8.21999979019165]5001426373814.76%0.0486
2(8.21999979019165, 17.755000114440918]100483816616.53%-0.0034
3(17.755000114440918, 28.0600004196167]1319108023918.12%-0.0247
4(28.0600004196167, 44.94499969482422]1698140629217.20%-0.0157
5(44.94499969482422, 56.69499969482422]1298109720115.49%0.0093
6(56.69499969482422, inf]1967161235518.05%-0.0326
bh_a129 — IV 0.0033，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]6138520393515.23%0.0291
2(1.5, 2.5]2214186734715.67%0.0070
3(2.5, 3.5]1491128121014.08%0.0263
4(3.5, 4.5]110092117916.27%-0.0022
5(4.5, 7.5]1794144235219.62%-0.0536
6(7.5, inf]104485419018.20%-0.0208
bh_qu010 — IV 0.0033，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 33.5]1884161726714.17%0.0336
2(33.5, 43.5]117796221518.27%-0.0252
3(43.5, 53.0]1286111417213.37%0.0350
4(53.0, 72.0]2750232242815.56%0.0123
5(72.0, 90.5]3777311366417.58%-0.0407
6(90.5, inf]1583132326016.42%-0.0048
bh_a177 — IV 0.0033，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 3.9350000619888306]73476233111415.16%0.0424
2(3.9350000619888306, 6.81000018119812]93276117118.35%-0.0207
3(6.81000018119812, 10.889999866485596]94176018119.23%-0.0294
4(10.889999866485596, 18.5600004196167]101484616816.57%-0.0038
5(18.5600004196167, 41.88999938964844]110793417315.63%0.0065
6(41.88999938964844, inf]94676218419.45%-0.0316
BH_A346 — IV 0.0033，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]2674229438014.21%0.0388
2(1.5, 3.5]1812150830416.78%-0.0111
3(3.5, 9.5]3184270448015.08%0.0232
4(9.5, 23.5]2898238851017.60%-0.0334
5(23.5, 34.5]107992515414.27%0.0180
6(34.5, inf]2134174938518.04%-0.0344
bh_a130 — IV 0.0033，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1324111720715.63%0.0051
2(0.5, 1.5]2808238142715.21%0.0184
3(1.5, 2.5]2083180328013.44%0.0458
4(2.5, 3.5]1542130024215.69%0.0050
5(3.5, 8.5]4137343170617.07%-0.0278
6(8.5, inf]1887153635118.60%-0.0400
bh_a132 — IV 0.0032，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1327110522216.73%-0.0080
2(1.5, 2.5]1648142022813.84%0.0322
3(2.5, 5.5]3678313354514.82%0.0324
4(5.5, 7.5]1557128826917.28%-0.0166
5(7.5, 10.5]1667140925815.48%0.0084
6(10.5, inf]3904321369117.70%-0.0434
bh_a116 — IV 0.0032，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]98818349153215.50%0.0244
2(0.5, 1.5]1817154327415.08%0.0152
3(1.5, inf]2083167640719.54%-0.0588
bh_a075 — IV 0.0031，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]5221445976214.59%0.0476
2(0.5, 1.5]3161266449715.72%0.0078
3(1.5, 2.5]1842151532717.75%-0.0263
4(2.5, 3.5]115594820717.92%-0.0197
5(3.5, 5.5]1313107124218.43%-0.0279
6(5.5, inf]108991117816.35%-0.0029
BH_A344 — IV 0.0031，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]3341283850315.06%0.0245
2(0.5, 1.5]1868160226614.24%0.0291
3(1.5, 5.5]3869327559415.35%0.0189
4(5.5, 9.5]1733143130217.43%-0.0203
5(9.5, 17.5]1662133732519.55%-0.0496
6(17.5, inf]1308108522317.05%-0.0117
bh_h144 — IV 0.0031，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 50.0]104518844160715.38%0.0308
2(50.0, inf]3330272460618.20%-0.0508
BH_A351 — IV 0.0031，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]79946765122915.37%0.0275
2(0.5, 1.5]3331282051115.34%0.0175
3(1.5, 2.5]1330110122917.22%-0.0139
4(2.5, inf]112688224421.67%-0.0573
bh_a123 — IV 0.0031，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 7.5]3781313864317.01%-0.0247
2(7.5, 15.5]2642224140115.18%0.0182
3(15.5, 27.5]2203184236116.39%-0.0059
4(27.5, 51.5]2195189929613.49%0.0469
5(51.5, 102.5]1904155435018.38%-0.0369
6(102.5, inf]105689416215.34%0.0071
bh_a065 — IV 0.0030，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]6008512088814.78%0.0448
2(0.5, 1.5]1310108522517.18%-0.0132
3(1.5, 3.5]1789147131817.78%-0.0260
4(3.5, 5.5]1228104118715.23%0.0093
5(5.5, 10.5]1673137030318.11%-0.0295
6(10.5, inf]1773148129216.47%-0.0062
bh_a128 — IV 0.0030，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]3832323659615.55%0.0135
2(0.5, 1.5]3491297451714.81%0.0315
3(1.5, 2.5]2133180532815.38%0.0120
4(2.5, 3.5]1389117921015.12%0.0117
5(3.5, 5.5]1611130530618.99%-0.0407
6(5.5, inf]1325106925619.32%-0.0385
bh_h013 — IV 0.0029，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.824999988079071]4406373667015.21%0.0249
2(0.824999988079071, 1.75]1914162129315.31%0.0121
3(1.75, 2.1200000047683716]1908163027814.57%0.0241
4(2.1200000047683716, 3.5199999809265137]1589134224715.54%0.0072
5(3.5199999809265137, 5.724999904632568]2055169635917.47%-0.0239
6(5.724999904632568, inf]1909154336619.17%-0.0493
bh_h134 — IV 0.0029，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]94327865156716.61%-0.0236
2(0.5, 2.5]2272197629613.03%0.0568
3(2.5, inf]2077172735016.85%-0.0136
bh_a100 — IV 0.0029，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1266110692196915.55%0.0245
2(0.5, inf]112087624421.79%-0.0582
bh_a109 — IV 0.0029，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1266110692196915.55%0.0245
2(0.5, inf]112087624421.79%-0.0582
BH_A341 — IV 0.0029，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]79946765122915.37%0.0275
2(0.5, 2.5]3345283750815.19%0.0213
3(2.5, 4.5]1292104225019.35%-0.0381
4(4.5, inf]115092422619.65%-0.0377

注：统计全部候选变量的自动分箱明细（初分组），按 IV 降序展示前 100 个变量，共 681 个；完整数据见 feature_report.json。

04 单变量分析（粗分箱）

bh_a104 — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]84567268118814.05%0.0845
2(0.5, 1.5]1725135836721.28%-0.0755
3(1.5, 2.5]1240101922117.82%-0.0198
4(2.5, 4.5]110789521219.15%-0.0314
5(4.5, inf]1253102822517.96%-0.0215
bh_a113 — 3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]84567268118814.05%0.0845
2(0.5, 1.5]3227260861919.18%-0.0721
3(1.5, inf]2098169240619.35%-0.0560
ScoreCust1 — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 622.5]2312166764527.90%-0.1728
2(622.5, 707.5]3786296482221.71%-0.1133
3(707.5, 749.5]2358191943918.62%-0.0319
4(749.5, 786.5]2197189330413.84%0.0450
5(786.5, 833.5]2239197526411.79%0.0795
6(833.5, inf]293027671635.56%0.2339
ScoreCust2 — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 603.5]2598186273628.33%-0.1948
2(603.5, 723.5]49633936102720.69%-0.1079
3(723.5, 747.5]1247102022718.20%-0.0150
4(747.5, 802.5]2807242238513.72%0.0567
5(802.5, 844.5]162514841418.68%0.1014
6(844.5, inf]258224611214.69%0.2294
dxm_2025v2 — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 379.5]2657195070726.61%-0.1702
2(379.5, 387.5]1648126838023.06%-0.0773
3(387.5, 398.5]2744221453019.31%-0.0483
4(398.5, 412.5]3745314859715.94%0.0169
5(412.5, 438.5]3548318636210.20%0.1517
6(438.5, inf]14801419614.12%0.1497
score92663 — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 38.77465057373047]259324441495.75%0.2090
2(38.77465057373047, 46.850149154663086]3187283535211.04%0.1208
3(46.850149154663086, 54.091299057006836]3415284756816.63%-0.0006
4(54.091299057006836, 59.89684867858887]2771221156020.21%-0.0664
5(59.89684867858887, 66.37909698486328]2236171352323.39%-0.1049
6(66.37909698486328, inf]1496104145530.41%-0.1518
model_risk_v9_stongyong_score — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 38.5]295027801705.76%0.2313
2(38.5, 44.5]2366211525110.61%0.1039
3(44.5, 48.5]2044174829614.48%0.0321
4(48.5, 54.5]3128257055817.84%-0.0251
5(54.5, 64.5]3784292386122.75%-0.1379
6(64.5, inf]143195947232.98%-0.1722
model_risk_v9_sxiaojin_score — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 35.5]226021431175.18%0.1972
2(35.5, 42.5]290226162869.86%0.1378
3(42.5, 50.5]4664396070415.09%0.0413
4(50.5, 53.5]1628129932920.21%-0.0440
5(53.5, 58.5]2104159451024.24%-0.1122
6(58.5, inf]2145148366230.86%-0.2064
model_1034467 — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.0710735023021698]15351453825.34%0.1437
2(0.0710735023021698, 0.08746149763464928]3044273431010.18%0.1383
3(0.08746149763464928, 0.0934550017118454]114499115313.37%0.0303
4(0.0934550017118454, 0.09958449751138687]1415116824717.46%-0.0106
5(0.09958449751138687, 0.16508999466896057]60534835121820.12%-0.1118
6(0.16508999466896057, inf]1921143448725.35%-0.1245
model_1034468 — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.07395549863576889]190717891186.19%0.1594
2(0.07395549863576889, 0.08735150098800659]3340288545513.62%0.0659
3(0.08735150098800659, 0.09519950300455093]1735145428116.20%0.0044
4(0.09519950300455093, 0.13253449648618698]4357354481318.66%-0.0556
5(0.13253449648618698, 0.1800609976053238]2532199753521.13%-0.0816
6(0.1800609976053238, inf]124194629523.77%-0.0724
score_50021 — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.005150000099092722]12021154483.99%0.1278
2(0.005150000099092722, 0.007949999999254942]160814891197.40%0.1189
3(0.007949999999254942, 0.014750000089406967]4433387256112.66%0.1073
4(0.014750000089406967, 0.02075000014156103]3214265955517.27%-0.0144
5(0.02075000014156103, 0.03645000047981739]3655279685923.50%-0.1525
6(0.03645000047981739, inf]135993542431.20%-0.1502
zszs_xy_score — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 685.5]1466108238426.19%-0.1063
2(685.5, 696.5]1905146444123.15%-0.0906
3(696.5, 712.5]4431363579617.96%-0.0358
4(712.5, 731.5]4836413869814.43%0.0607
5(731.5, 742.5]156514111549.84%0.0839
6(742.5, inf]136812591097.97%0.0961
xmf_v11xj — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 397.5]2559198257722.55%-0.1021
2(397.5, 410.5]2655214051519.40%-0.0501
3(410.5, 433.5]4868399986917.85%-0.0338
4(433.5, 444.5]1553130924415.71%0.0109
5(444.5, 474.5]2769245831111.23%0.1054
6(474.5, inf]12181138806.57%0.1012
bh_CO4001score — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 36.5]14781398805.41%0.1334
2(36.5, 39.5]136312471168.51%0.0889
3(39.5, 45.5]4252366658613.78%0.0745
4(45.5, 47.5]1728144927916.15%0.0068
5(47.5, 50.5]2508205445418.10%-0.0247
6(50.5, inf]44923370112224.98%-0.2028
PY083P — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 571.5]3126230482226.30%-0.1874
2(571.5, 597.5]2218177144720.15%-0.0554
3(597.5, 629.5]3293273455916.98%-0.0079
4(629.5, 674.5]3693317352014.08%0.0594
5(674.5, 725.5]202218251979.74%0.1051
6(725.5, inf]13571294634.64%0.1331
risk_v8_slowirr — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 21.5]13531308453.33%0.1482
2(21.5, 31.5]191017571538.01%0.1268
3(31.5, 46.5]4029349253713.33%0.0826
4(46.5, 61.5]4358355680218.40%-0.0456
5(61.5, 70.5]2251173551622.92%-0.0984
6(70.5, inf]1797124355430.83%-0.1803
mobile_fixed_grade — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 4.5]2582211047218.28%-0.0284
2(4.5, 6.5]2921228463721.81%-0.0970
3(6.5, 7.5]3633294868518.85%-0.0489
4(7.5, 8.5]2735230842715.61%0.0197
5(8.5, 9.5]2667236530211.32%0.1006
6(9.5, inf]121811151038.46%0.0813
adr_stability_grade — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 3.5]52974049124823.56%-0.1877
2(3.5, 5.5]1602128731519.66%-0.0360
3(5.5, 6.5]1508126524316.11%0.0064
4(6.5, 7.5]2307198032714.17%0.0412
5(7.5, 9.5]3603321339010.82%0.1383
6(9.5, inf]143913361037.16%0.1097
have_car_prob_grade — 2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]96337705192820.01%-0.1272
2(1.5, inf]6123542569811.40%0.1760
have_fang_prob_grade — 2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]105128578193418.40%-0.0696
2(1.5, inf]5244455269213.20%0.1034
last_6m_avg_asset_total_grade — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]79906463152719.11%-0.0861
2(1.5, 2.5]1195101817714.81%0.0177
3(2.5, 3.5]3002252747515.82%0.0169
4(3.5, 5.5]1839158325613.92%0.0379
5(5.5, inf]1730153919111.04%0.0748
tot_pay_amt_6m_grade — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]58714534133722.77%-0.1771
2(1.5, 2.5]2131178135016.42%0.0037
3(2.5, 3.5]1437122721014.61%0.0230
4(3.5, 5.5]3107269641113.23%0.0717
5(5.5, 7.5]1710153018010.53%0.0810
6(7.5, inf]150013621389.20%0.0886
first_loan_length_grade — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]2050153251825.27%-0.1228
2(1.5, 4.5]124490334127.41%-0.1020
3(4.5, 6.5]2680212855220.60%-0.0702
4(6.5, inf]97828567121512.42%0.1799
avg_bal_6m_grade — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]78776243163420.74%-0.1402
2(1.5, 3.5]2058172133716.38%0.0044
3(3.5, 4.5]1276110916713.09%0.0364
4(4.5, 7.5]2908256134711.93%0.0949
5(7.5, inf]163714961418.61%0.1033
repay_amt_6m_grade — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]81076344176321.75%-0.1751
2(1.5, 4.5]2733227046316.94%-0.0051
3(4.5, 5.5]1491130918212.21%0.0520
4(5.5, 6.5]138212761067.67%0.1000
5(6.5, inf]204319311125.48%0.1760
positive_biz_cnt_1y_grade — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]46733655101821.78%-0.1314
2(1.5, 3.5]1842150633618.24%-0.0213
3(3.5, 8.5]1337107626119.52%-0.0295
4(8.5, inf]79046893101112.79%0.1468
risk_score — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]398137272546.38%0.2728
2(1.5, 2.5]5083436272114.18%0.0718
3(2.5, 3.5]2829224258720.75%-0.0757
4(3.5, 4.5]1751133142023.99%-0.0929
5(4.5, inf]2112146864430.49%-0.1973
cust_seg2 — 3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.5]361333192948.14%0.2071
2(2.5, 3.5]79146652126215.95%0.0262
3(3.5, inf]42293159107025.30%-0.2032
dev_stability_grade2 — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1847162122612.24%0.0619
2(1.5, 2.5]6332542790514.29%0.0782
3(2.5, 3.5]3996328571117.79%-0.0270
4(3.5, inf]3581279778421.89%-0.1133
repayment_ability_rank2 — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]166515061599.55%0.0922
2(1.5, 2.5]4245370454112.74%0.1023
3(2.5, 3.5]55514551100018.01%-0.0396
4(3.5, inf]4295336992621.56%-0.1195

注：统计入模变量经合并调整后的最终分箱明细（开发样本口径）。当前流程细/粗分箱由同一自动分箱算法直接产出。

05 变量筛选

候选变量 682，通过分箱 681，入模 30（上限 34，IV 阈值 0.012146277759505483）

变量名是否入模IV缺失率<90%IV≥阈值缺失率备注
risk_scoreY0.0909PASSPASS0.42%
ScoreCust2Y0.0772PASSPASS0.00%
model_risk_v9_sxiaojin_scoreY0.0757PASSPASS0.75%
model_risk_v9_stongyong_scoreY0.0752PASSPASS0.75%
ScoreCust1Y0.0708PASSPASS0.00%
cust_seg2Y0.0638PASSPASS0.42%
score92663Y0.0617PASSPASS0.78%
repay_amt_6m_gradeY0.0586PASSPASS0.42%
score_50021Y0.0581PASSPASS2.22%WOE不单调
risk_v8_slowirrY0.0561PASSPASS0.78%
dxm_2025v2Y0.0544PASSPASS0.00%WOE不单调
first_loan_length_gradeY0.0537PASSPASS0.42%
bh_CO4001scoreY0.0536PASSPASS0.01%
adr_stability_gradeY0.0534PASSPASS0.42%WOE不单调
PY083PY0.0473PASSPASS0.71%
model_1034467Y0.0470PASSPASS4.49%
have_car_prob_gradeY0.0447PASSPASS0.42%
tot_pay_amt_6m_gradeY0.0413PASSPASS0.42%
positive_biz_cnt_1y_gradeY0.0357PASSPASS0.42%WOE不单调
avg_bal_6m_gradeY0.0335PASSPASS0.42%
model_1034468Y0.0283PASSPASS4.49%WOE不单调
repayment_ability_rank2Y0.0256PASSPASS0.42%WOE不单调
zszs_xy_scoreY0.0255PASSPASS1.59%
xmf_v11xjY0.0229PASSPASS1.26%WOE不单调
mobile_fixed_gradeY0.0195PASSPASS0.42%WOE不单调
dev_stability_grade2Y0.0179PASSPASS0.42%WOE不单调
have_fang_prob_gradeY0.0144PASSPASS0.42%
bh_a113Y0.0137PASSPASS12.90%WOE不单调
bh_a104Y0.0125PASSPASS12.90%WOE不单调
last_6m_avg_asset_total_gradeY0.0123PASSPASS0.42%WOE不单调
bh_h163N0.0101PASSFAIL12.90%
bh_a112N0.0096PASSFAIL12.90%WOE不单调
bh_a220N0.0095PASSFAIL12.96%WOE不单调
bh_a111N0.0092PASSFAIL12.90%
bh_a211N0.0091PASSFAIL12.96%WOE不单调
bh_h171N0.0090PASSFAIL12.90%WOE不单调
bh_a103N0.0082PASSFAIL12.90%WOE不单调
bh_h155N0.0079PASSFAIL12.90%
bh_h006N0.0075PASSFAIL12.90%WOE不单调
score_dzN0.0071PASSFAIL12.87%WOE不单调
bh_a102N0.0069PASSFAIL12.90%WOE不单调
bh_h001N0.0059PASSFAIL12.87%
bh_a101N0.0057PASSFAIL12.90%
bh_a110N0.0057PASSFAIL12.90%
bh_h005N0.0056PASSFAIL12.90%WOE不单调
BH_A356N0.0055PASSFAIL12.90%WOE不单调
bh_a218N0.0054PASSFAIL21.27%WOE不单调
BH_A352N0.0053PASSFAIL12.90%
bh_h002N0.0052PASSFAIL12.90%WOE不单调
bh_a047N0.0052PASSFAIL12.90%
BH_A353N0.0051PASSFAIL12.90%WOE不单调
bh_a009N0.0050PASSFAIL12.90%WOE不单调
bh_a179N0.0049PASSFAIL22.34%WOE不单调
bh_h007N0.0049PASSFAIL12.90%WOE不单调
bh_a201N0.0048PASSFAIL22.34%WOE不单调
bh_a056N0.0048PASSFAIL12.90%
bh_h003N0.0047PASSFAIL12.90%WOE不单调
BH_A354N0.0047PASSFAIL12.90%WOE不单调
BH_A340N0.0046PASSFAIL12.90%
BH_A342N0.0046PASSFAIL12.90%WOE不单调
bh_a219N0.0045PASSFAIL15.58%WOE不单调
BH_A343N0.0044PASSFAIL12.90%WOE不单调
bh_a210N0.0044PASSFAIL15.58%WOE不单调
bh_a178N0.0044PASSFAIL22.34%WOE不单调
BH_A355N0.0043PASSFAIL12.90%WOE不单调
bh_h004N0.0042PASSFAIL12.90%WOE不单调
bh_a066N0.0042PASSFAIL12.90%WOE不单调
bh_a119N0.0041PASSFAIL12.90%WOE不单调
bh_a150N0.0041PASSFAIL12.90%WOE不单调
bh_a126N0.0040PASSFAIL12.90%WOE不单调
BH_A345N0.0040PASSFAIL12.90%WOE不单调
bh_a209N0.0039PASSFAIL21.27%WOE不单调
bh_a160N0.0039PASSFAIL20.97%WOE不单调
bh_a120N0.0038PASSFAIL12.90%WOE不单调
BH_A350N0.0038PASSFAIL12.90%
bh_a117N0.0038PASSFAIL12.90%WOE不单调
bh_h010N0.0037PASSFAIL12.90%WOE不单调
bh_h011N0.0036PASSFAIL12.90%WOE不单调
bh_a141N0.0036PASSFAIL12.90%WOE不单调
bh_a062N0.0035PASSFAIL12.90%WOE不单调
bh_a199N0.0034PASSFAIL22.34%WOE不单调
bh_a129N0.0033PASSFAIL12.90%WOE不单调
bh_qu010N0.0033PASSFAIL21.27%WOE不单调
bh_a177N0.0033PASSFAIL22.34%WOE不单调
BH_A346N0.0033PASSFAIL12.90%WOE不单调
bh_a130N0.0033PASSFAIL12.90%WOE不单调
bh_a132N0.0032PASSFAIL12.90%WOE不单调
bh_a116N0.0032PASSFAIL12.90%
bh_a075N0.0031PASSFAIL12.90%WOE不单调
BH_A344N0.0031PASSFAIL12.90%WOE不单调
bh_h144N0.0031PASSFAIL12.90%
BH_A351N0.0031PASSFAIL12.90%
bh_a123N0.0031PASSFAIL12.90%WOE不单调
bh_a065N0.0030PASSFAIL12.90%WOE不单调
bh_a128N0.0030PASSFAIL12.90%WOE不单调
bh_h013N0.0029PASSFAIL12.90%WOE不单调
bh_h134N0.0029PASSFAIL12.90%WOE不单调
bh_a100N0.0029PASSFAIL12.90%
bh_a109N0.0029PASSFAIL12.90%
BH_A341N0.0029PASSFAIL12.90%WOE不单调
bh_h161N0.0028PASSFAIL12.90%
bh_a046N0.0028PASSFAIL12.90%
bh_a073N0.0028PASSFAIL12.90%WOE不单调
BH_A230N0.0028PASSFAIL12.90%WOE不单调
bh_a055N0.0028PASSFAIL12.90%
bh_a074N0.0028PASSFAIL12.90%WOE不单调
bh_h160N0.0027PASSFAIL12.90%WOE不单调
bh_h152N0.0027PASSFAIL12.90%
bh_a064N0.0027PASSFAIL12.90%WOE不单调
bh_h168N0.0027PASSFAIL12.90%WOE不单调
bh_a159N0.0027PASSFAIL12.90%WOE不单调
bh_a071N0.0027PASSFAIL12.90%
bh_a181N0.0026PASSFAIL22.34%WOE不单调
bh_a083N0.0026PASSFAIL12.90%WOE不单调
bh_a131N0.0026PASSFAIL12.90%WOE不单调
bh_a085N0.0026PASSFAIL12.90%WOE不单调
BH_A349N0.0026PASSFAIL12.90%
bh_h012N0.0025PASSFAIL12.90%WOE不单调
bh_a125N0.0024PASSFAIL12.90%
bh_a008N0.0024PASSFAIL12.90%WOE不单调
bh_h153N0.0024PASSFAIL12.90%
BH_A339N0.0024PASSFAIL12.90%
bh_a127N0.0024PASSFAIL12.90%WOE不单调
bh_h162N0.0024PASSFAIL12.90%WOE不单调
bh_h169N0.0023PASSFAIL12.90%
bh_a082N0.0023PASSFAIL12.90%WOE不单调
ovd_order_amt_6m_gradeN0.0023PASSFAIL0.42%WOE不单调
bh_a094N0.0023PASSFAIL12.90%
bh_h110N0.0023PASSFAIL12.90%WOE不单调
bh_a200N0.0022PASSFAIL22.34%WOE不单调
bh_a202N0.0022PASSFAIL22.34%WOE不单调
bh_a118N0.0022PASSFAIL12.90%WOE不单调
bh_a061N0.0022PASSFAIL12.90%
BH_A392N0.0022PASSFAIL12.90%WOE不单调
BH_A288N0.0022PASSFAIL12.90%WOE不单调
BH_A319N0.0022PASSFAIL12.90%WOE不单调
bh_a054N0.0021PASSFAIL12.90%
bh_h009N0.0021PASSFAIL12.90%
bh_h141N0.0021PASSFAIL12.90%WOE不单调
bh_h122N0.0021PASSFAIL12.90%WOE不单调
bh_a070N0.0020PASSFAIL12.90%
BH_A335N0.0020PASSFAIL12.90%WOE不单调
bh_a072N0.0020PASSFAIL12.90%
bh_a115N0.0020PASSFAIL12.90%
bh_a124N0.0020PASSFAIL12.90%
bh_a018N0.0020PASSFAIL12.90%WOE不单调
bh_a019N0.0019PASSFAIL21.10%WOE不单调
bh_a044N0.0019PASSFAIL12.90%
bh_a053N0.0019PASSFAIL12.90%
BH_A309N0.0019PASSFAIL12.90%
bh_a045N0.0019PASSFAIL12.90%
BH_A282N0.0019PASSFAIL12.90%
bh_a180N0.0019PASSFAIL22.34%WOE不单调
bh_h143N0.0018PASSFAIL12.90%
bh_h140N0.0018PASSFAIL12.90%WOE不单调
bh_a121N0.0018PASSFAIL12.90%WOE不单调
BH_A384N0.0018PASSFAIL12.90%WOE不单调
bh_a122N0.0017PASSFAIL12.90%WOE不单调
bh_h170N0.0017PASSFAIL12.90%WOE不单调
bh_h159N0.0017PASSFAIL12.90%WOE不单调
BH_A389N0.0017PASSFAIL12.90%
bh_h123N0.0017PASSFAIL12.90%WOE不单调
bh_h118N0.0017PASSFAIL12.90%WOE不单调
bh_h126N0.0017PASSFAIL12.90%WOE不单调
bh_h135N0.0017PASSFAIL12.90%
bh_a060N0.0016PASSFAIL12.90%
bh_a069N0.0016PASSFAIL12.90%
BH_A292N0.0016PASSFAIL12.90%
BH_A327N0.0016PASSFAIL12.90%WOE不单调
bh_h166N0.0016PASSFAIL12.90%WOE不单调
bh_a084N0.0016PASSFAIL12.90%WOE不单调
bh_a063N0.0016PASSFAIL12.90%
bh_a149N0.0016PASSFAIL12.90%WOE不单调
bh_a198N0.0016PASSFAIL22.34%WOE不单调
bh_h008N0.0015PASSFAIL12.90%
bh_h158N0.0015PASSFAIL12.90%WOE不单调
bh_a005N0.0015PASSFAIL12.90%WOE不单调
bh_a081N0.0015PASSFAIL12.90%
bh_h151N0.0015PASSFAIL12.90%
BH_A366N0.0015PASSFAIL12.90%
bh_a043N0.0015PASSFAIL12.90%
bh_a052N0.0015PASSFAIL12.90%
BH_A318N0.0015PASSFAIL12.90%
BH_A390N0.0014PASSFAIL12.90%WOE不单调
BH_A284N0.0014PASSFAIL12.90%
BH_A229N0.0014PASSFAIL12.90%WOE不单调
bh_a140N0.0013PASSFAIL12.90%WOE不单调
BH_A338N0.0013PASSFAIL12.90%
BH_A348N0.0013PASSFAIL12.90%
BH_A376N0.0013PASSFAIL12.90%
BH_A381N0.0013PASSFAIL12.90%WOE不单调
BH_A388N0.0013PASSFAIL12.90%
BH_A277N0.0013PASSFAIL12.90%WOE不单调
bh_h136N0.0013PASSFAIL12.90%
bh_h137N0.0013PASSFAIL12.90%
bh_h167N0.0013PASSFAIL12.90%WOE不单调
BH_A283N0.0013PASSFAIL12.90%
BH_A269N0.0013PASSFAIL12.90%
bh_h145N0.0013PASSFAIL12.90%
bh_a007N0.0012PASSFAIL12.90%WOE不单调
BH_A286N0.0012PASSFAIL12.90%WOE不单调
BH_A308N0.0012PASSFAIL12.90%WOE不单调
bh_h127N0.0012PASSFAIL12.90%WOE不单调
bh_h106N0.0012PASSFAIL12.90%WOE不单调
BH_A275N0.0011PASSFAIL12.90%
bh_h149N0.0011PASSFAIL12.90%
BH_A380N0.0011PASSFAIL12.90%
BH_A324N0.0011PASSFAIL12.90%WOE不单调
BH_A382N0.0011PASSFAIL12.90%WOE不单调
bh_h138N0.0011PASSFAIL12.90%WOE不单调
BH_A240N0.0011PASSFAIL12.90%WOE不单调
BH_A391N0.0011PASSFAIL12.90%WOE不单调
BH_A378N0.0011PASSFAIL12.90%
BH_A386N0.0011PASSFAIL12.90%
bh_a003N0.0011PASSFAIL12.90%WOE不单调
bh_a004N0.0010PASSFAIL12.90%WOE不单调
bh_a016N0.0010PASSFAIL12.90%WOE不单调
BH_A261N0.0010PASSFAIL12.90%
BH_A287N0.0010PASSFAIL12.90%WOE不单调
BH_A294N0.0010PASSFAIL12.90%
bh_h107N0.0010PASSFAIL12.90%WOE不单调
bh_a093N0.0010PASSFAIL12.90%
BH_A251N0.0010PASSFAIL12.90%
BH_A383N0.0010PASSFAIL12.90%WOE不单调
bh_a006N0.0009PASSFAIL12.90%WOE不单调
bh_a092N0.0009PASSFAIL12.90%WOE不单调
bh_h111N0.0009PASSFAIL12.90%WOE不单调
BH_A365N0.0009PASSFAIL12.90%
BH_A285N0.0009PASSFAIL12.90%
bh_h173N0.0009PASSFAIL12.90%WOE不单调
BH_A326N0.0009PASSFAIL12.90%WOE不单调
BH_A276N0.0009PASSFAIL12.90%
bh_a090N0.0009PASSFAIL12.90%
bh_a042N0.0009PASSFAIL12.90%
bh_a051N0.0009PASSFAIL12.90%
BH_A325N0.0009PASSFAIL12.90%WOE不单调
bh_h094N0.0009PASSFAIL12.90%WOE不单调
BH_A267N0.0008PASSFAIL12.90%
bh_h139N0.0008PASSFAIL12.90%WOE不单调
bh_a080N0.0008PASSFAIL12.90%
bh_h042N0.0008PASSFAIL12.90%
bh_h043N0.0008PASSFAIL12.90%
bh_h084N0.0008PASSFAIL12.90%
bh_h085N0.0008PASSFAIL12.90%
bh_a015N0.0008PASSFAIL12.90%WOE不单调
BH_A268N0.0007PASSFAIL12.90%WOE不单调
bh_h100N0.0007PASSFAIL12.90%
BH_A265N0.0007PASSFAIL12.90%
BH_A273N0.0007PASSFAIL12.90%
bh_h133N0.0007PASSFAIL12.90%
BH_A293N0.0007PASSFAIL12.90%WOE不单调
bh_h125N0.0007PASSFAIL12.90%
bh_h078N0.0007PASSFAIL12.90%WOE不单调
bh_a089N0.0007PASSFAIL12.90%
BH_A281N0.0007PASSFAIL12.90%
BH_A291N0.0007PASSFAIL12.90%
bh_h157N0.0007PASSFAIL12.90%WOE不单调
BH_A334N0.0007PASSFAIL12.90%WOE不单调
BH_A295N0.0007PASSFAIL12.90%
BH_X006N0.0007PASSFAIL12.87%
BH_X078N0.0007PASSFAIL12.87%
bh_a014N0.0006PASSFAIL12.90%WOE不单调
bh_a148N0.0006PASSFAIL12.90%
bh_a138N0.0006PASSFAIL12.90%WOE不单调
bh_h130N0.0006PASSFAIL12.90%
bh_h131N0.0006PASSFAIL12.90%
bh_h117N0.0006PASSFAIL12.90%
BH_A296N0.0006PASSFAIL12.90%
bh_h124N0.0005PASSFAIL12.90%WOE不单调
bh_a139N0.0005PASSFAIL12.90%WOE不单调
bh_a079N0.0005PASSFAIL12.90%
bh_a088N0.0005PASSFAIL12.90%
bh_a146N0.0005PASSFAIL12.90%
BH_A323N0.0005PASSFAIL12.90%WOE不单调
bh_h062N0.0005PASSFAIL12.90%WOE不单调
bh_h074N0.0005PASSFAIL12.90%WOE不单调
bh_h101N0.0005PASSFAIL12.90%
BH_A379N0.0005PASSFAIL12.90%
BH_A387N0.0005PASSFAIL12.90%
bh_a017N0.0005PASSFAIL12.90%WOE不单调
bh_a147N0.0005PASSFAIL12.90%
bh_h116N0.0005PASSFAIL12.90%
BH_A227N0.0005PASSFAIL12.90%WOE不单调
bh_a002N0.0004PASSFAIL12.90%
bh_a137N0.0004PASSFAIL12.90%WOE不单调
BH_A266N0.0004PASSFAIL12.90%
BH_A274N0.0004PASSFAIL12.90%
BH_A226N0.0004PASSFAIL12.90%
bh_h059N0.0004PASSFAIL12.90%
bh_h132N0.0004PASSFAIL12.90%WOE不单调
bh_h150N0.0004PASSFAIL12.90%WOE不单调
BH_A374N0.0004PASSFAIL12.90%
bh_a012N0.0004PASSFAIL12.90%
BH_A236N0.0004PASSFAIL12.90%
BH_A362N0.0004PASSFAIL12.90%
BH_A372N0.0004PASSFAIL12.90%
BH_A375N0.0004PASSFAIL12.90%
ovd_order_days_6m_gradeN0.0003PASSFAIL0.42%
BH_A239N0.0003PASSFAIL12.90%WOE不单调
bh_h058N0.0003PASSFAIL12.90%
bh_a013N0.0003PASSFAIL12.90%WOE不单调
bh_h091N0.0003PASSFAIL12.90%WOE不单调
bh_h146N0.0003PASSFAIL12.90%
BH_A225N0.0003PASSFAIL12.90%
BH_A298N0.0003PASSFAIL12.90%WOE不单调
BH_A228N0.0003PASSFAIL12.90%
bh_h075N0.0003PASSFAIL12.90%WOE不单调
BH_A250N0.0003PASSFAIL12.90%
BH_A260N0.0003PASSFAIL12.90%
BH_A364N0.0003PASSFAIL12.90%WOE不单调
BH_A235N0.0003PASSFAIL12.90%
bh_h092N0.0003PASSFAIL12.90%
bh_h093N0.0003PASSFAIL12.90%
BH_A249N0.0003PASSFAIL12.90%
BH_A259N0.0003PASSFAIL12.90%
bh_a011N0.0003PASSFAIL12.90%
BH_A237N0.0003PASSFAIL12.90%WOE不单调
bh_h154N0.0003PASSFAIL12.90%
bh_h090N0.0003PASSFAIL12.90%WOE不单调
bh_h119N0.0002PASSFAIL12.90%
BH_A297N0.0002PASSFAIL12.90%WOE不单调
bh_h079N0.0002PASSFAIL12.90%
BH_A307N0.0002PASSFAIL12.90%
BH_A317N0.0002PASSFAIL12.90%
BH_A363N0.0002PASSFAIL12.90%
BH_A373N0.0002PASSFAIL12.90%
bh_a001N0.0002PASSFAIL12.90%
bh_a010N0.0002PASSFAIL12.90%
bh_h095N0.0002PASSFAIL12.90%WOE不单调
BH_A238N0.0002PASSFAIL12.90%WOE不单调
BH_A332N0.0002PASSFAIL12.90%
BH_A224N0.0001PASSFAIL12.90%
BH_A234N0.0001PASSFAIL12.90%
bh_h165N0.0001PASSFAIL12.90%WOE不单调
bh_h108N0.0001PASSFAIL12.90%
bh_h109N0.0001PASSFAIL12.90%
BH_A333N0.0001PASSFAIL12.90%WOE不单调
BH_A331N0.0001PASSFAIL12.90%
bh_a136N0.0000PASSFAIL12.90%
bh_a145N0.0000PASSFAIL12.90%
bh_h086N0.0000PASSFAIL12.90%
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BH_A322N0.0000PASSFAIL12.90%
BH_A330N0.0000PASSFAIL12.90%
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BH_A306N0.0000PASSFAIL12.90%
BH_A316N0.0000PASSFAIL12.90%
data_flagN0.0000PASSFAIL0.00%
bh_a020N0.0000PASSFAIL12.90%
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BH_X016N0.0000PASSFAIL12.87%
BH_X017N0.0000PASSFAIL12.87%
BH_X018N0.0000PASSFAIL12.87%
BH_X019N0.0000PASSFAIL12.87%
BH_X020N0.0000PASSFAIL12.87%
BH_X021N0.0000PASSFAIL12.87%
BH_X022N0.0000PASSFAIL12.87%
BH_X023N0.0000PASSFAIL12.87%
BH_X024N0.0000PASSFAIL12.87%
BH_X025N0.0000PASSFAIL12.87%
BH_X026N0.0000PASSFAIL12.87%
BH_X027N0.0000PASSFAIL12.87%
BH_X028N0.0000PASSFAIL12.87%
BH_X029N0.0000PASSFAIL12.87%
BH_X030N0.0000PASSFAIL12.87%
BH_X031N0.0000PASSFAIL12.87%
BH_X032N0.0000PASSFAIL12.87%
BH_X033N0.0000PASSFAIL12.87%
BH_X034N0.0000PASSFAIL12.87%
BH_X035N0.0000PASSFAIL12.87%
BH_X036N0.0000PASSFAIL12.87%
BH_X037N0.0000PASSFAIL12.87%
BH_X038N0.0000PASSFAIL12.87%
BH_X039N0.0000PASSFAIL12.87%
BH_X040N0.0000PASSFAIL12.87%
BH_X041N0.0000PASSFAIL12.87%
BH_X042N0.0000PASSFAIL12.87%
BH_X043N0.0000PASSFAIL12.87%
BH_X044N0.0000PASSFAIL12.87%
BH_X045N0.0000PASSFAIL12.87%
BH_X046N0.0000PASSFAIL12.87%
BH_X047N0.0000PASSFAIL12.87%
BH_X048N0.0000PASSFAIL12.87%
BH_X049N0.0000PASSFAIL12.87%
BH_X050N0.0000PASSFAIL12.87%
BH_X051N0.0000PASSFAIL12.87%
BH_X052N0.0000PASSFAIL12.87%
BH_X053N0.0000PASSFAIL12.87%
BH_X054N0.0000PASSFAIL12.87%
BH_X055N0.0000PASSFAIL12.87%
BH_X056N0.0000PASSFAIL12.87%
BH_X057N0.0000PASSFAIL12.87%
BH_X058N0.0000PASSFAIL12.87%
BH_X059N0.0000PASSFAIL12.87%
BH_X060N0.0000PASSFAIL12.87%
BH_X061N0.0000PASSFAIL12.87%
BH_X062N0.0000PASSFAIL12.87%
BH_X063N0.0000PASSFAIL12.87%
BH_X064N0.0000PASSFAIL12.87%
BH_X065N0.0000PASSFAIL12.87%
BH_X066N0.0000PASSFAIL12.87%
BH_X067N0.0000PASSFAIL12.87%
BH_X068N0.0000PASSFAIL12.87%
BH_X069N0.0000PASSFAIL12.87%
BH_X070N0.0000PASSFAIL12.87%
BH_X071N0.0000PASSFAIL12.87%
BH_X072N0.0000PASSFAIL12.87%
BH_X073N0.0000PASSFAIL12.87%
BH_X074N0.0000PASSFAIL12.87%
BH_X075N0.0000PASSFAIL12.87%
BH_X076N0.0000PASSFAIL12.87%
BH_X077N0.0000PASSFAIL12.87%
BH_X079N0.0000PASSFAIL12.87%
BH_X080N0.0000PASSFAIL12.87%
BH_X081N0.0000PASSFAIL12.87%
BH_X082N0.0000PASSFAIL12.87%
BH_X083N0.0000PASSFAIL12.87%
BH_X084N0.0000PASSFAIL12.87%
BH_X085N0.0000PASSFAIL12.87%
BH_X086N0.0000PASSFAIL12.87%
BH_X087N0.0000PASSFAIL12.87%
BH_X088N0.0000PASSFAIL12.87%
BH_X089N0.0000PASSFAIL12.87%
BH_X090N0.0000PASSFAIL12.87%
BH_X091N0.0000PASSFAIL12.87%
BH_X092N0.0000PASSFAIL12.87%
BH_X093N0.0000PASSFAIL12.87%
BH_X094N0.0000PASSFAIL12.87%
BH_X095N0.0000PASSFAIL12.87%
BH_X096N0.0000PASSFAIL12.87%
BH_X097N0.0000PASSFAIL12.87%
BH_X098N0.0000PASSFAIL12.87%
BH_X099N0.0000PASSFAIL12.87%
BH_X100N0.0000PASSFAIL12.87%
BH_X101N0.0000PASSFAIL12.87%
BH_X102N0.0000PASSFAIL12.87%
BH_X103N0.0000PASSFAIL12.87%
BH_X104N0.0000PASSFAIL12.87%
BH_X105N0.0000PASSFAIL12.87%
BH_X106N0.0000PASSFAIL12.87%
BH_X107N0.0000PASSFAIL12.87%
BH_X108N0.0000PASSFAIL12.87%
BH_X109N0.0000PASSFAIL12.87%
BH_X110N0.0000PASSFAIL12.87%
BH_X111N0.0000PASSFAIL12.87%
BH_X112N0.0000PASSFAIL12.87%
BH_X113N0.0000PASSFAIL12.87%
BH_X114N0.0000PASSFAIL12.87%
BH_X115N0.0000PASSFAIL12.87%
BH_X116N0.0000PASSFAIL12.87%
BH_X117N0.0000PASSFAIL12.87%
BH_X118N0.0000PASSFAIL12.87%
BH_X119N0.0000PASSFAIL12.87%
BH_X120N0.0000PASSFAIL12.87%
BH_X121N0.0000PASSFAIL12.87%
BH_X122N0.0000PASSFAIL12.87%
BH_X123N0.0000PASSFAIL12.87%
BH_X124N0.0000PASSFAIL12.87%
BH_X125N0.0000PASSFAIL12.87%
BH_X126N0.0000PASSFAIL12.87%
BH_X127N0.0000PASSFAIL12.87%
BH_X128N0.0000PASSFAIL12.87%
BH_X129N0.0000PASSFAIL12.87%
BH_X130N0.0000PASSFAIL12.87%
BH_X131N0.0000PASSFAIL12.87%
BH_X132N0.0000PASSFAIL12.87%
BH_X133N0.0000PASSFAIL12.87%
BH_X134N0.0000PASSFAIL12.87%
BH_X135N0.0000PASSFAIL12.87%
BH_X136N0.0000PASSFAIL12.87%
BH_X137N0.0000PASSFAIL12.87%
BH_X138N0.0000PASSFAIL12.87%
BH_X139N0.0000PASSFAIL12.87%
BH_X140N0.0000PASSFAIL12.87%
BH_X141N0.0000PASSFAIL12.87%
BH_X142N0.0000PASSFAIL12.87%
BH_X143N0.0000PASSFAIL12.87%
BH_X144N0.0000PASSFAIL12.87%

06 回归结果

ParameterLabelEstimateStandard ErrorWald Chi-SquarePr > ChiSqStandardized Estimate
InterceptIntercept-1.89370.04641666.58<0.0001—
WOE_bh_a104bh_a104-0.41661.62360.070.7975-0.0254
WOE_bh_a113bh_a1130.39761.44040.080.78250.0278
WOE_ScoreCust1ScoreCust1-1.06440.34009.800.0017-0.1463
WOE_ScoreCust2ScoreCust2-1.38930.334917.21<0.0001-0.1966
WOE_dxm_2025v2dxm_2025v2-1.45730.232539.29<0.0001-0.1672
WOE_score92663score92663-0.46180.39401.370.2412-0.0552
WOE_model_risk_v9_stongyong_scoremodel_risk_v9_stongyong_score-0.33600.38510.760.3830-0.0463
WOE_model_risk_v9_sxiaojin_scoremodel_risk_v9_sxiaojin_score-0.97220.35387.550.0060-0.1262
WOE_model_1034467model_1034467-0.60650.39402.370.1237-0.0670
WOE_model_1034468model_1034468-0.42480.54880.600.4390-0.0337
WOE_score_50021score_50021-1.30090.224433.60<0.0001-0.1498
WOE_zszs_xy_scorezszs_xy_score-1.04470.34079.400.0022-0.0739
WOE_xmf_v11xjxmf_v11xj-0.09260.39270.060.8135-0.0066
WOE_bh_CO4001scorebh_CO4001score0.29180.22691.650.19840.0360
WOE_PY083PPY083P-0.62060.24586.370.0116-0.0653
WOE_risk_v8_slowirrrisk_v8_slowirr-0.33270.39880.700.4042-0.0352
WOE_mobile_fixed_grademobile_fixed_grade0.14150.39650.130.72110.0097
WOE_adr_stability_gradeadr_stability_grade-0.06960.20980.110.7401-0.0092
WOE_have_car_prob_gradehave_car_prob_grade-0.26020.17832.130.1444-0.0384
WOE_have_fang_prob_gradehave_fang_prob_grade0.29480.32310.830.36150.0240
WOE_last_6m_avg_asset_total_gradelast_6m_avg_asset_total_grade-0.53630.39881.810.1788-0.0335
WOE_tot_pay_amt_6m_gradetot_pay_amt_6m_grade-0.03370.24600.020.8910-0.0039
WOE_first_loan_length_gradefirst_loan_length_grade-0.69720.191813.220.0003-0.0934
WOE_avg_bal_6m_gradeavg_bal_6m_grade1.20010.50525.640.01750.1270
WOE_repay_amt_6m_graderepay_amt_6m_grade-2.52710.417336.67<0.0001-0.3383
WOE_positive_biz_cnt_1y_gradepositive_biz_cnt_1y_grade0.23790.28260.710.39990.0293
WOE_risk_scorerisk_score-1.32310.203742.19<0.0001-0.2126
WOE_cust_seg2cust_seg2-0.21780.20741.100.2938-0.0317
WOE_dev_stability_grade2dev_stability_grade2-0.49490.32472.320.1275-0.0382
WOE_repayment_ability_rank2repayment_ability_rank2-0.46840.30692.330.1269-0.0420

注：标准误基于无惩罚似然的信息矩阵近似计算（拟合模型含 L2 正则）。

07 VIF

VIF

ParameterVIF
bh_a10421.34060
bh_a11321.83971
ScoreCust13.62895
ScoreCust23.75372
dxm_2025v21.43075
score926634.02435
model_risk_v9_stongyong_score5.19327
model_risk_v9_sxiaojin_score4.70084
model_10344673.27117
model_10344683.09643
score_500211.40366
zszs_xy_score1.19152
xmf_v11xj1.45045
bh_CO4001score1.74099
PY083P1.52300
risk_v8_slowirr3.68339
mobile_fixed_grade1.27255
adr_stability_grade1.51166
have_car_prob_grade1.21137
have_fang_prob_grade1.20862
last_6m_avg_asset_total_grade1.15242
tot_pay_amt_6m_grade1.70096
first_loan_length_grade1.44105
avg_bal_6m_grade5.78241
repay_amt_6m_grade5.68916
positive_biz_cnt_1y_grade2.63934
risk_score1.90559
cust_seg21.85769
dev_stability_grade21.32933
repayment_ability_rank21.47926

相关系数（WOE 转换后，开发样本）

bh_a104bh_a113ScoreCust1ScoreCust2dxm_2025v2score92663model_risk_v9_stongyong_scoremodel_risk_v9_sxiaojin_scoremodel_1034467model_1034468score_50021zszs_xy_scorexmf_v11xjbh_CO4001scorePY083Prisk_v8_slowirrmobile_fixed_gradeadr_stability_gradehave_car_prob_gradehave_fang_prob_gradelast_6m_avg_asset_total_gradetot_pay_amt_6m_gradefirst_loan_length_gradeavg_bal_6m_graderepay_amt_6m_gradepositive_biz_cnt_1y_graderisk_scorecust_seg2dev_stability_grade2repayment_ability_rank2
bh_a1041.0000.9750.3050.2910.1380.1530.1350.1060.1700.1590.0910.0810.1710.1050.1320.1480.0750.0710.0420.0430.0190.0430.0820.0460.0600.0490.1130.0840.0220.056
bh_a1130.9751.0000.3310.3210.1430.1570.1310.0940.1840.1760.0860.0740.1850.1010.1380.1510.0620.0540.0270.0340.0120.0250.0600.0290.0420.0300.0980.0690.0100.045
ScoreCust10.3050.3311.0000.8350.3460.3640.3280.2790.3450.3340.2300.1740.3090.3690.3970.3520.1630.1700.0890.0740.0360.1110.1190.0980.1280.0930.2660.2150.0480.114
ScoreCust20.2910.3210.8351.0000.3700.4080.3700.3160.4010.3580.2550.2030.3360.3130.3610.3980.1970.2110.1130.0990.0450.1070.1450.0820.1190.0790.2730.2130.0370.098
dxm_2025v20.1380.1430.3460.3701.0000.3150.3120.3030.2650.2420.2370.1530.4380.2170.3010.3110.1550.2060.1570.0320.0350.1170.1610.0830.1250.0770.2310.1960.0270.122
score926630.1530.1570.3640.4080.3151.0000.7470.6850.3650.3400.3970.2230.3320.4900.3300.8320.1840.2180.1940.1600.0710.1710.1640.1110.1460.0750.2750.2490.0640.157
model_risk_v9_stongyong_score0.1350.1310.3280.3700.3120.7471.0000.8700.3630.3190.4660.2490.3190.4850.3230.7020.2540.2510.2480.2100.0730.1870.2260.1260.1670.0940.2940.2800.0530.190
model_risk_v9_sxiaojin_score0.1060.0940.2790.3160.3030.6850.8701.0000.3200.2700.4580.2560.2710.4950.3140.6880.2850.3020.2620.2020.0940.2280.2770.1590.2010.1240.3310.3050.0810.212
model_10344670.1700.1840.3450.4010.2650.3650.3630.3201.0000.8150.3160.1960.2750.2980.2920.3450.1550.2010.1440.1320.0360.0970.1250.0270.0580.0060.2080.1880.0240.112
model_10344680.1590.1760.3340.3580.2420.3400.3190.2700.8151.0000.2850.1680.2800.2800.2840.3130.0840.1190.1010.0910.0270.0640.0680.0130.040-0.0040.1620.1420.0270.078
score_500210.0910.0860.2300.2550.2370.3970.4660.4580.3160.2851.0000.2060.2620.3510.2600.3940.1970.2040.2010.1720.0460.1460.1830.1040.1370.0690.2470.2340.0500.169
zszs_xy_score0.0810.0740.1740.2030.1530.2230.2490.2560.1960.1680.2061.0000.1180.1980.1730.2190.1810.2810.1630.1310.0910.2100.1770.1500.1890.1280.2740.2660.1410.197
xmf_v11xj0.1710.1850.3090.3360.4380.3320.3190.2710.2750.2800.2620.1181.0000.2340.3620.3120.0780.0910.0780.1130.0360.0610.0440.0340.0560.0220.1370.1330.0090.068
bh_CO4001score0.1050.1010.3690.3130.2170.4900.4850.4950.2980.2800.3510.1980.2341.0000.4460.5080.2020.2510.1940.1530.1290.2610.1740.1720.1930.1380.3570.2990.1380.186
PY083P0.1320.1380.3970.3610.3010.3300.3230.3140.2920.2840.2600.1730.3620.4461.0000.3350.1240.2240.1280.1120.1200.2240.1320.1860.2060.1840.3120.2600.1560.165
risk_v8_slowirr0.1480.1510.3520.3980.3110.8320.7020.6880.3450.3130.3940.2190.3120.5080.3351.0000.1990.2340.1820.1550.0650.1690.1830.1150.1510.0840.2880.2530.0690.170
mobile_fixed_grade0.0750.0620.1630.1970.1550.1840.2540.2850.1550.0840.1970.1810.0780.2020.1240.1991.0000.3170.2100.1760.0740.1640.3580.1310.1570.1070.2580.2450.0720.181
adr_stability_grade0.0710.0540.1700.2110.2060.2180.2510.3020.2010.1190.2040.2810.0910.2510.2240.2340.3171.0000.2540.1680.1470.3540.4030.2750.3050.2520.4340.3610.2000.230
have_car_prob_grade0.0420.0270.0890.1130.1570.1940.2480.2620.1440.1010.2010.1630.0780.1940.1280.1820.2100.2541.0000.1790.1180.2510.2380.1870.2260.1720.2780.2870.1080.202
have_fang_prob_grade0.0430.0340.0740.0990.0320.1600.2100.2020.1320.0910.1720.1310.1130.1530.1120.1550.1760.1680.1791.0000.0220.1140.1870.0860.0990.0690.1500.3070.0690.318
last_6m_avg_asset_total_grade0.0190.0120.0360.0450.0350.0710.0730.0940.0360.0270.0460.0910.0360.1290.1200.0650.0740.1470.1180.0221.0000.3010.1100.1520.1840.1160.2340.1780.2560.113
tot_pay_amt_6m_grade0.0430.0250.1110.1070.1170.1710.1870.2280.0970.0640.1460.2100.0610.2610.2240.1690.1640.3540.2510.1140.3011.0000.2290.4730.5110.3960.4670.3640.3890.227
first_loan_length_grade0.0820.0600.1190.1450.1610.1640.2260.2770.1250.0680.1830.1770.0440.1740.1320.1830.3580.4030.2380.1870.1100.2291.0000.2440.2810.2650.4020.3220.1360.225
avg_bal_6m_grade0.0460.0290.0980.0820.0830.1110.1260.1590.0270.0130.1040.1500.0340.1720.1860.1150.1310.2750.1870.0860.1520.4730.2441.0000.8940.7640.3740.2640.3860.139
repay_amt_6m_grade0.0600.0420.1280.1190.1250.1460.1670.2010.0580.0400.1370.1890.0560.1930.2060.1510.1570.3050.2260.0990.1840.5110.2810.8941.0000.7380.4360.3260.4000.171
positive_biz_cnt_1y_grade0.0490.0300.0930.0790.0770.0750.0940.1240.006-0.0040.0690.1280.0220.1380.1840.0840.1070.2520.1720.0690.1160.3960.2650.7640.7381.0000.4080.2370.3480.108
risk_score0.1130.0980.2660.2730.2310.2750.2940.3310.2080.1620.2470.2740.1370.3570.3120.2880.2580.4340.2780.1500.2340.4670.4020.3740.4360.4081.0000.4750.3070.259
cust_seg20.0840.0690.2150.2130.1960.2490.2800.3050.1880.1420.2340.2660.1330.2990.2600.2530.2450.3610.2870.3070.1780.3640.3220.2640.3260.2370.4751.0000.1990.534
dev_stability_grade20.0220.0100.0480.0370.0270.0640.0530.0810.0240.0270.0500.1410.0090.1380.1560.0690.0720.2000.1080.0690.2560.3890.1360.3860.4000.3480.3070.1991.0000.140
repayment_ability_rank20.0560.0450.1140.0980.1220.1570.1900.2120.1120.0780.1690.1970.0680.1860.1650.1700.1810.2300.2020.3180.1130.2270.2250.1390.1710.1080.2590.5340.1401.000

08 最终评分卡

标准分600
标准ODD50
PDO20
变量分栏WOECoefficientScorecard Points
bh_a104(-inf, 0.5]0.0845-0.416619
(0.5, 1.5]-0.0755-0.416617
(1.5, 2.5]-0.0198-0.416618
(2.5, 4.5]-0.0314-0.416618
(4.5, inf]-0.0215-0.416618
bh_a113(-inf, 0.5]0.08450.397617
(0.5, 1.5]-0.07210.397619
(1.5, inf]-0.05600.397619
ScoreCust1(-inf, 622.5]-0.1728-1.064413
(622.5, 707.5]-0.1133-1.064415
(707.5, 749.5]-0.0319-1.064417
(749.5, 786.5]0.0450-1.064419
(786.5, 833.5]0.0795-1.064421
(833.5, inf]0.2339-1.064425
ScoreCust2(-inf, 603.5]-0.1948-1.389310
(603.5, 723.5]-0.1079-1.389314
(723.5, 747.5]-0.0150-1.389317
(747.5, 802.5]0.0567-1.389320
(802.5, 844.5]0.1014-1.389322
(844.5, inf]0.2294-1.389327
dxm_2025v2(-inf, 379.5]-0.1702-1.457311
(379.5, 387.5]-0.0773-1.457315
(387.5, 398.5]-0.0483-1.457316
(398.5, 412.5]0.0169-1.457319
(412.5, 438.5]0.1517-1.457324
(438.5, inf]0.1497-1.457324
score92663(-inf, 38.77465057373047]0.2090-0.461821
(38.77465057373047, 46.850149154663086]0.1208-0.461820
(46.850149154663086, 54.091299057006836]-0.0006-0.461818
(54.091299057006836, 59.89684867858887]-0.0664-0.461817
(59.89684867858887, 66.37909698486328]-0.1049-0.461817
(66.37909698486328, inf]-0.1518-0.461816
model_risk_v9_stongyong_score(-inf, 38.5]0.2313-0.336020
(38.5, 44.5]0.1039-0.336019
(44.5, 48.5]0.0321-0.336018
(48.5, 54.5]-0.0251-0.336018
(54.5, 64.5]-0.1379-0.336017
(64.5, inf]-0.1722-0.336016
model_risk_v9_sxiaojin_score(-inf, 35.5]0.1972-0.972224
(35.5, 42.5]0.1378-0.972222
(42.5, 50.5]0.0413-0.972219
(50.5, 53.5]-0.0440-0.972217
(53.5, 58.5]-0.1122-0.972215
(58.5, inf]-0.2064-0.972212
model_1034467(-inf, 0.0710735023021698]0.1437-0.606521
(0.0710735023021698, 0.08746149763464928]0.1383-0.606520
(0.08746149763464928, 0.0934550017118454]0.0303-0.606519
(0.0934550017118454, 0.09958449751138687]-0.0106-0.606518
(0.09958449751138687, 0.16508999466896057]-0.1118-0.606516
(0.16508999466896057, inf]-0.1245-0.606516
model_1034468(-inf, 0.07395549863576889]0.1594-0.424820
(0.07395549863576889, 0.08735150098800659]0.0659-0.424819
(0.08735150098800659, 0.09519950300455093]0.0044-0.424818
(0.09519950300455093, 0.13253449648618698]-0.0556-0.424817
(0.13253449648618698, 0.1800609976053238]-0.0816-0.424817
(0.1800609976053238, inf]-0.0724-0.424817
score_50021(-inf, 0.005150000099092722]0.1278-1.300923
(0.005150000099092722, 0.007949999999254942]0.1189-1.300923
(0.007949999999254942, 0.014750000089406967]0.1073-1.300922
(0.014750000089406967, 0.02075000014156103]-0.0144-1.300918
(0.02075000014156103, 0.03645000047981739]-0.1525-1.300912
(0.03645000047981739, inf]-0.1502-1.300912
zszs_xy_score(-inf, 685.5]-0.1063-1.044715
(685.5, 696.5]-0.0906-1.044715
(696.5, 712.5]-0.0358-1.044717
(712.5, 731.5]0.0607-1.044720
(731.5, 742.5]0.0839-1.044721
(742.5, inf]0.0961-1.044721
xmf_v11xj(-inf, 397.5]-0.1021-0.092618
(397.5, 410.5]-0.0501-0.092618
(410.5, 433.5]-0.0338-0.092618
(433.5, 444.5]0.0109-0.092618
(444.5, 474.5]0.1054-0.092618
(474.5, inf]0.1012-0.092618
bh_CO4001score(-inf, 36.5]0.13340.291817
(36.5, 39.5]0.08890.291817
(39.5, 45.5]0.07450.291817
(45.5, 47.5]0.00680.291818
(47.5, 50.5]-0.02470.291818
(50.5, inf]-0.20280.291820
PY083P(-inf, 571.5]-0.1874-0.620615
(571.5, 597.5]-0.0554-0.620617
(597.5, 629.5]-0.0079-0.620618
(629.5, 674.5]0.0594-0.620619
(674.5, 725.5]0.1051-0.620620
(725.5, inf]0.1331-0.620620
risk_v8_slowirr(-inf, 21.5]0.1482-0.332719
(21.5, 31.5]0.1268-0.332719
(31.5, 46.5]0.0826-0.332719
(46.5, 61.5]-0.0456-0.332718
(61.5, 70.5]-0.0984-0.332717
(70.5, inf]-0.1803-0.332716
mobile_fixed_grade(-inf, 4.5]-0.02840.141518
(4.5, 6.5]-0.09700.141518
(6.5, 7.5]-0.04890.141518
(7.5, 8.5]0.01970.141518
(8.5, 9.5]0.10060.141518
(9.5, inf]0.08130.141518
adr_stability_grade(-inf, 3.5]-0.1877-0.069618
(3.5, 5.5]-0.0360-0.069618
(5.5, 6.5]0.0064-0.069618
(6.5, 7.5]0.0412-0.069618
(7.5, 9.5]0.1383-0.069618
(9.5, inf]0.1097-0.069618
have_car_prob_grade(-inf, 1.5]-0.1272-0.260217
(1.5, inf]0.1760-0.260219
have_fang_prob_grade(-inf, 1.5]-0.06960.294819
(1.5, inf]0.10340.294817
last_6m_avg_asset_total_grade(-inf, 1.5]-0.0861-0.536317
(1.5, 2.5]0.0177-0.536318
(2.5, 3.5]0.0169-0.536318
(3.5, 5.5]0.0379-0.536319
(5.5, inf]0.0748-0.536319
tot_pay_amt_6m_grade(-inf, 1.5]-0.1771-0.033718
(1.5, 2.5]0.0037-0.033718
(2.5, 3.5]0.0230-0.033718
(3.5, 5.5]0.0717-0.033718
(5.5, 7.5]0.0810-0.033718
(7.5, inf]0.0886-0.033718
first_loan_length_grade(-inf, 1.5]-0.1228-0.697216
(1.5, 4.5]-0.1020-0.697216
(4.5, 6.5]-0.0702-0.697217
(6.5, inf]0.1799-0.697222
avg_bal_6m_grade(-inf, 1.5]-0.14021.200123
(1.5, 3.5]0.00441.200118
(3.5, 4.5]0.03641.200117
(4.5, 7.5]0.09491.200115
(7.5, inf]0.10331.200114
repay_amt_6m_grade(-inf, 1.5]-0.1751-2.52715
(1.5, 4.5]-0.0051-2.527118
(4.5, 5.5]0.0520-2.527122
(5.5, 6.5]0.1000-2.527125
(6.5, inf]0.1760-2.527131
positive_biz_cnt_1y_grade(-inf, 1.5]-0.13140.237919
(1.5, 3.5]-0.02130.237918
(3.5, 8.5]-0.02950.237918
(8.5, inf]0.14680.237917
risk_score(-inf, 1.5]0.2728-1.323128
(1.5, 2.5]0.0718-1.323121
(2.5, 3.5]-0.0757-1.323115
(3.5, 4.5]-0.0929-1.323115
(4.5, inf]-0.1973-1.323111
cust_seg2(-inf, 2.5]0.2071-0.217819
(2.5, 3.5]0.0262-0.217818
(3.5, inf]-0.2032-0.217817
dev_stability_grade2(-inf, 1.5]0.0619-0.494919
(1.5, 2.5]0.0782-0.494919
(2.5, 3.5]-0.0270-0.494918
(3.5, inf]-0.1133-0.494916
repayment_ability_rank2(-inf, 1.5]0.0922-0.468419
(1.5, 2.5]0.1023-0.468419
(2.5, 3.5]-0.0396-0.468418
(3.5, inf]-0.1195-0.468416

09 模型表现

模型 KS & GINI（按样本）

模型样本KSGINI
LR + WOE 评分卡开发样本0.37220.4972
LR + WOE 评分卡预留验证样本0.33490.4400
LR + WOE 评分卡跨时间验证样本(OOT)0.25460.3492

LR + WOE 评分卡 — 分数段表现

开发样本

组号分数区间(PD)样本数累计占比GoodBad累计Good占比累计Bad占比分组坏率累计坏率分组Odds累计Odds
10.0081 ~ 0.0329158310.01%15552811.79%1.06%1.77%1.77%55.5455.54
20.0329 ~ 0.0536158220.00%15206211.53%3.41%3.92%2.84%24.5234.17
30.0536 ~ 0.0784158230.00%148110111.23%7.24%6.38%4.02%14.6623.85
40.0784 ~ 0.1057158240.00%143414810.88%12.86%9.36%5.36%9.6917.67
50.1057 ~ 0.1379158250.00%139818410.60%19.83%11.63%6.61%7.6014.13
60.1379 ~ 0.1764158260.00%133025210.09%29.39%15.93%8.16%5.2811.25
70.1765 ~ 0.2210158270.00%12763069.68%40.99%19.34%9.76%4.179.25
80.2210 ~ 0.2748158280.00%11774058.93%56.35%25.60%11.74%2.917.52
90.2749 ~ 0.3473158289.99%11114718.43%74.21%29.77%13.74%2.366.28
100.3473 ~ 0.62761583100.00%9036806.85%100.00%42.96%16.67%1.335.00
TOTALS1582213185263716.67%—5.00

预留验证样本

组号分数区间(PD)样本数累计占比GoodBad累计Good占比累计Bad占比分组坏率累计坏率分组Odds累计Odds
10.0105 ~ 0.036052110.00%512911.19%1.42%1.73%1.73%56.8956.89
20.0361 ~ 0.054752120.00%4982310.88%5.05%4.41%3.07%21.6531.56
30.0547 ~ 0.075352130.00%4982310.88%8.68%4.41%3.52%21.6527.42
40.0753 ~ 0.098952140.00%4893210.69%13.72%6.14%4.17%15.2822.95
50.0990 ~ 0.124652150.00%4715010.29%21.61%9.60%5.26%9.4218.01
60.1247 ~ 0.153652160.00%450719.83%32.81%13.63%6.65%6.3414.03
70.1536 ~ 0.188852170.00%455669.94%43.22%12.67%7.51%6.8912.31
80.1890 ~ 0.238552180.00%432899.44%57.26%17.08%8.71%4.8510.48
90.2386 ~ 0.304952190.00%4111108.98%74.61%21.11%10.09%3.748.91
100.3049 ~ 0.5830521100.00%3601617.87%100.00%30.90%12.17%2.247.22
TOTALS5210457663412.17%—7.22

跨时间验证样本(OOT)

组号分数区间(PD)样本数累计占比GoodBad累计Good占比累计Bad占比分组坏率累计坏率分组Odds累计Odds
10.0107 ~ 0.043849610.01%4732312.15%2.17%4.64%4.64%20.5720.57
20.0439 ~ 0.065149520.00%4415411.33%7.26%10.91%7.77%8.1711.87
30.0651 ~ 0.087249530.00%4118410.55%15.19%16.97%10.83%4.898.23
40.0872 ~ 0.108549640.01%4187810.73%22.55%15.73%12.06%5.367.29
50.1087 ~ 0.133349550.00%4128310.58%30.38%16.77%13.00%4.966.69
60.1334 ~ 0.161449559.99%3831129.84%40.94%22.63%14.60%3.425.85
70.1614 ~ 0.193949670.00%3771199.68%52.17%23.99%15.95%3.175.27
80.1939 ~ 0.238149580.00%3601359.24%64.91%27.27%17.36%2.674.76
90.2382 ~ 0.298349589.99%3351608.60%80.00%32.32%19.02%2.094.26
100.2984 ~ 0.5761496100.00%2842127.29%100.00%42.74%21.40%1.343.67
TOTALS49543894106021.40%—3.67

注：分数段基于模型输出 PD 等频分 10 档，按分数升序排列。

10 KS和GINI

LR + WOE 评分卡

样本KSGINI
开发样本0.37220.4972
预留验证样本0.33490.4400
跨时间验证样本(OOT)0.25460.3492

注：GINI = 2×AUC−1。逐分数明细曲线数据量较大，报告中仅呈现汇总指标，明细可在实验目录扩展生成。

11 PSI

分数 PSI（开发样本 vs OOT）

模型分数 PSI
LR + WOE 评分卡0.0928

变量 PSI（开发样本 vs OOT，按入模变量分箱）

特征项PSI状态
first_loan_length_grade0.0670稳定
risk_score0.0582稳定
bh_CO4001score0.0404稳定
tot_pay_amt_6m_grade0.0400稳定
adr_stability_grade0.0317稳定
have_fang_prob_grade0.0278稳定
bh_a1040.0241稳定
bh_a1130.0211稳定
model_risk_v9_sxiaojin_score0.0168稳定
have_car_prob_grade0.0166稳定
ScoreCust10.0144稳定
cust_seg20.0115稳定
ScoreCust20.0112稳定
repay_amt_6m_grade0.0102稳定
PY083P0.0093稳定
dev_stability_grade20.0089稳定
last_6m_avg_asset_total_grade0.0087稳定
model_10344680.0087稳定
avg_bal_6m_grade0.0082稳定
repayment_ability_rank20.0079稳定
positive_biz_cnt_1y_grade0.0070稳定
model_10344670.0068稳定
risk_v8_slowirr0.0065稳定
zszs_xy_score0.0058稳定
mobile_fixed_grade0.0055稳定
score926630.0047稳定
xmf_v11xj0.0041稳定
score_500210.0038稳定
dxm_2025v20.0035稳定
model_risk_v9_stongyong_score0.0022稳定
bh_a104 — PSI 0.0241
分栏开发基准比例OOT 比例变更贡献
(-inf, 0.5]61.36%55.70%-5.66%0.0055
(0.5, 1.5]12.52%12.13%-0.39%0.0001
(1.5, 2.5]9.00%10.00%1.00%0.0011
(2.5, 4.5]8.03%8.75%0.71%0.0006
(4.5, inf]9.09%13.43%4.33%0.0169
bh_a113 — PSI 0.0211
分栏开发基准比例OOT 比例变更贡献
(-inf, 0.5]61.36%55.70%-5.66%0.0055
(0.5, 1.5]23.42%23.82%0.40%0.0001
(1.5, inf]15.22%20.48%5.26%0.0156
ScoreCust1 — PSI 0.0144
分栏开发基准比例OOT 比例变更贡献
(-inf, 622.5]14.61%16.94%2.32%0.0034
(622.5, 707.5]23.93%25.72%1.79%0.0013
(707.5, 749.5]14.90%15.50%0.60%0.0002
(749.5, 786.5]13.89%13.83%-0.06%0.0000
(786.5, 833.5]14.15%13.34%-0.81%0.0005
(833.5, inf]18.52%14.67%-3.84%0.0089
ScoreCust2 — PSI 0.0112
分栏开发基准比例OOT 比例变更贡献
(-inf, 603.5]16.42%17.66%1.24%0.0009
(603.5, 723.5]31.37%34.62%3.25%0.0032
(723.5, 747.5]7.88%8.22%0.33%0.0001
(747.5, 802.5]17.74%16.55%-1.19%0.0008
(802.5, 844.5]10.27%9.51%-0.76%0.0006
(844.5, inf]16.32%13.44%-2.88%0.0056
dxm_2025v2 — PSI 0.0035
分栏开发基准比例OOT 比例变更贡献
(-inf, 379.5]16.79%15.81%-0.99%0.0006
(379.5, 387.5]10.42%10.01%-0.40%0.0002
(387.5, 398.5]17.34%18.51%1.17%0.0008
(398.5, 412.5]23.67%24.34%0.67%0.0002
(412.5, 438.5]22.42%23.15%0.73%0.0002
(438.5, inf]9.35%8.18%-1.18%0.0016
score92663 — PSI 0.0047
分栏开发基准比例OOT 比例变更贡献
(-inf, 38.77465057373047]16.52%16.71%0.20%0.0000
(38.77465057373047, 46.850149154663086]20.30%22.12%1.82%0.0016
(46.850149154663086, 54.091299057006836]21.75%21.86%0.11%0.0000
(54.091299057006836, 59.89684867858887]17.65%17.24%-0.41%0.0001
(59.89684867858887, 66.37909698486328]14.24%14.14%-0.10%0.0000
(66.37909698486328, inf]9.53%7.92%-1.61%0.0030
model_risk_v9_stongyong_score — PSI 0.0022
分栏开发基准比例OOT 比例变更贡献
(-inf, 38.5]18.79%17.97%-0.82%0.0004
(38.5, 44.5]15.07%16.31%1.24%0.0010
(44.5, 48.5]13.02%12.86%-0.15%0.0000
(48.5, 54.5]19.92%20.42%0.50%0.0001
(54.5, 64.5]24.10%24.12%0.03%0.0000
(64.5, inf]9.11%8.32%-0.79%0.0007
model_risk_v9_sxiaojin_score — PSI 0.0168
分栏开发基准比例OOT 比例变更贡献
(-inf, 35.5]14.39%14.38%-0.01%0.0000
(35.5, 42.5]18.48%20.90%2.42%0.0030
(42.5, 50.5]29.70%32.33%2.63%0.0022
(50.5, 53.5]10.37%10.09%-0.28%0.0001
(53.5, 58.5]13.40%12.11%-1.29%0.0013
(58.5, inf]13.66%10.19%-3.47%0.0102
model_1034467 — PSI 0.0068
分栏开发基准比例OOT 比例变更贡献
(-inf, 0.0710735023021698]10.16%8.74%-1.42%0.0021
(0.0710735023021698, 0.08746149763464928]20.14%18.72%-1.42%0.0010
(0.08746149763464928, 0.0934550017118454]7.57%7.28%-0.29%0.0001
(0.0934550017118454, 0.09958449751138687]9.36%8.90%-0.46%0.0002
(0.09958449751138687, 0.16508999466896057]40.05%41.78%1.73%0.0007
(0.16508999466896057, inf]12.71%14.58%1.87%0.0026
model_1034468 — PSI 0.0087
分栏开发基准比例OOT 比例变更贡献
(-inf, 0.07395549863576889]12.62%11.09%-1.53%0.0020
(0.07395549863576889, 0.08735150098800659]22.10%20.65%-1.45%0.0010
(0.08735150098800659, 0.09519950300455093]11.48%10.52%-0.96%0.0008
(0.09519950300455093, 0.13253449648618698]28.83%29.45%0.62%0.0001
(0.13253449648618698, 0.1800609976053238]16.75%18.32%1.57%0.0014
(0.1800609976053238, inf]8.21%9.96%1.75%0.0034
score_50021 — PSI 0.0038
分栏开发基准比例OOT 比例变更贡献
(-inf, 0.005150000099092722]7.77%6.25%-1.52%0.0033
(0.005150000099092722, 0.007949999999254942]10.39%10.79%0.39%0.0001
(0.007949999999254942, 0.014750000089406967]28.65%29.07%0.42%0.0001
(0.014750000089406967, 0.02075000014156103]20.77%21.18%0.41%0.0001
(0.02075000014156103, 0.03645000047981739]23.62%24.16%0.54%0.0001
(0.03645000047981739, inf]8.78%8.55%-0.24%0.0001
zszs_xy_score — PSI 0.0058
分栏开发基准比例OOT 比例变更贡献
(-inf, 685.5]9.41%7.72%-1.70%0.0034
(685.5, 696.5]12.23%11.43%-0.80%0.0005
(696.5, 712.5]28.46%27.99%-0.47%0.0001
(712.5, 731.5]31.06%33.13%2.07%0.0013
(731.5, 742.5]10.05%10.53%0.48%0.0002
(742.5, inf]8.79%9.21%0.42%0.0002
xmf_v11xj — PSI 0.0041
分栏开发基准比例OOT 比例变更贡献
(-inf, 397.5]16.38%18.11%1.73%0.0017
(397.5, 410.5]17.00%17.60%0.61%0.0002
(410.5, 433.5]31.16%28.95%-2.21%0.0016
(433.5, 444.5]9.94%9.71%-0.24%0.0001
(444.5, 474.5]17.72%18.29%0.57%0.0002
(474.5, inf]7.80%7.33%-0.47%0.0003
bh_CO4001score — PSI 0.0404
分栏开发基准比例OOT 比例变更贡献
(-inf, 36.5]9.34%10.84%1.50%0.0022
(36.5, 39.5]8.62%10.80%2.19%0.0049
(39.5, 45.5]26.88%32.34%5.47%0.0101
(45.5, 47.5]10.92%10.38%-0.54%0.0003
(47.5, 50.5]15.85%14.54%-1.32%0.0011
(50.5, inf]28.39%21.10%-7.29%0.0217
PY083P — PSI 0.0093
分栏开发基准比例OOT 比例变更贡献
(-inf, 571.5]19.90%16.93%-2.97%0.0048
(571.5, 597.5]14.12%12.90%-1.22%0.0011
(597.5, 629.5]20.96%21.47%0.51%0.0001
(629.5, 674.5]23.51%25.22%1.71%0.0012
(674.5, 725.5]12.87%14.54%1.67%0.0020
(725.5, inf]8.64%8.93%0.29%0.0001
risk_v8_slowirr — PSI 0.0065
分栏开发基准比例OOT 比例变更贡献
(-inf, 21.5]8.62%8.67%0.05%0.0000
(21.5, 31.5]12.17%12.28%0.11%0.0000
(31.5, 46.5]25.67%27.05%1.38%0.0007
(46.5, 61.5]27.76%28.65%0.89%0.0003
(61.5, 70.5]14.34%14.28%-0.06%0.0000
(70.5, inf]11.45%9.08%-2.37%0.0055
mobile_fixed_grade — PSI 0.0055
分栏开发基准比例OOT 比例变更贡献
(-inf, 4.5]16.39%16.35%-0.04%0.0000
(4.5, 6.5]18.54%17.72%-0.81%0.0004
(6.5, 7.5]23.06%21.17%-1.89%0.0016
(7.5, 8.5]17.36%19.83%2.48%0.0033
(8.5, 9.5]16.93%17.44%0.51%0.0002
(9.5, inf]7.73%7.48%-0.25%0.0001
adr_stability_grade — PSI 0.0317
分栏开发基准比例OOT 比例变更贡献
(-inf, 3.5]33.62%26.97%-6.65%0.0146
(3.5, 5.5]10.17%9.07%-1.10%0.0013
(5.5, 6.5]9.57%10.30%0.73%0.0005
(6.5, 7.5]14.64%16.08%1.44%0.0014
(7.5, 9.5]22.87%28.82%5.95%0.0138
(9.5, inf]9.13%8.76%-0.37%0.0002
have_car_prob_grade — PSI 0.0166
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]61.14%54.78%-6.36%0.0070
(1.5, inf]38.86%45.22%6.36%0.0096
have_fang_prob_grade — PSI 0.0278
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]66.72%74.31%7.59%0.0082
(1.5, inf]33.28%25.69%-7.59%0.0196
last_6m_avg_asset_total_grade — PSI 0.0087
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]50.71%46.36%-4.35%0.0039
(1.5, 2.5]7.58%8.19%0.61%0.0005
(2.5, 3.5]19.05%19.67%0.62%0.0002
(3.5, 5.5]11.67%12.98%1.31%0.0014
(5.5, inf]10.98%12.80%1.82%0.0028
tot_pay_amt_6m_grade — PSI 0.0400
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]37.26%28.31%-8.95%0.0246
(1.5, 2.5]13.53%14.22%0.69%0.0003
(2.5, 3.5]9.12%9.73%0.61%0.0004
(3.5, 5.5]19.72%22.63%2.91%0.0040
(5.5, 7.5]10.85%12.63%1.78%0.0027
(7.5, inf]9.52%12.47%2.95%0.0080
first_loan_length_grade — PSI 0.0670
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]13.01%6.57%-6.44%0.0440
(1.5, 4.5]7.90%5.27%-2.62%0.0106
(4.5, 6.5]17.01%16.99%-0.01%0.0000
(6.5, inf]62.08%71.16%9.08%0.0124
avg_bal_6m_grade — PSI 0.0082
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]49.99%48.06%-1.93%0.0008
(1.5, 3.5]13.06%11.93%-1.13%0.0010
(3.5, 4.5]8.10%8.12%0.02%0.0000
(4.5, 7.5]18.46%18.79%0.33%0.0001
(7.5, inf]10.39%13.11%2.72%0.0063
repay_amt_6m_grade — PSI 0.0102
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]51.45%47.11%-4.34%0.0038
(1.5, 4.5]17.35%18.68%1.33%0.0010
(4.5, 5.5]9.46%11.56%2.10%0.0042
(5.5, 6.5]8.77%9.82%1.04%0.0012
(6.5, inf]12.97%12.84%-0.13%0.0000
positive_biz_cnt_1y_grade — PSI 0.0070
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]29.66%26.89%-2.77%0.0027
(1.5, 3.5]11.69%11.05%-0.64%0.0004
(3.5, 8.5]8.49%7.75%-0.74%0.0007
(8.5, inf]50.17%54.31%4.14%0.0033
risk_score — PSI 0.0582
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]25.27%18.17%-7.10%0.0234
(1.5, 2.5]32.26%36.44%4.18%0.0051
(2.5, 3.5]17.96%23.65%5.69%0.0157
(3.5, 4.5]11.11%12.19%1.07%0.0010
(4.5, inf]13.40%9.55%-3.85%0.0131
cust_seg2 — PSI 0.0115
分栏开发基准比例OOT 比例变更贡献
(-inf, 2.5]22.93%20.40%-2.53%0.0030
(2.5, 3.5]50.23%55.57%5.34%0.0054
(3.5, inf]26.84%24.03%-2.81%0.0031
dev_stability_grade2 — PSI 0.0089
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]11.72%12.70%0.97%0.0008
(1.5, 2.5]40.19%42.30%2.12%0.0011
(2.5, 3.5]25.36%26.04%0.68%0.0002
(3.5, inf]22.73%18.96%-3.77%0.0068
repayment_ability_rank2 — PSI 0.0079
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]10.57%9.15%-1.42%0.0021
(1.5, 2.5]26.94%27.48%0.54%0.0001
(2.5, 3.5]35.23%38.67%3.44%0.0032
(3.5, inf]27.26%24.70%-2.56%0.0025

注：PSI ≤ 0.1 视为稳定，0.1~0.25 需关注，> 0.25 不稳定。

12 单变量分析

注：统计所有入模变量的单变量分析（开发样本口径）。预留验证/总体/OOT 口径的分组明细待扩展。

bh_a104
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.5]845661.36%7268118814.05%6.12
2(0.5, 1.5]172573.88%135836721.28%3.70
3(1.5, 2.5]124082.87%101922117.82%4.61
4(2.5, 4.5]110790.91%89521219.15%4.22
5(4.5, inf]1253100.00%102822517.96%4.57
合计1378111568221316.06%5.23
bh_a113
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.5]845661.36%7268118814.05%6.12
2(0.5, 1.5]322784.78%260861919.18%4.21
3(1.5, inf]2098100.00%169240619.35%4.17
合计1378111568221316.06%5.23
ScoreCust1
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 622.5]231214.61%166764527.90%2.58
2(622.5, 707.5]378638.54%296482221.71%3.61
3(707.5, 749.5]235853.44%191943918.62%4.37
4(749.5, 786.5]219767.33%189330413.84%6.23
5(786.5, 833.5]223981.48%197526411.79%7.48
6(833.5, inf]2930100.00%27671635.56%16.98
合计1582213185263716.67%5.00
ScoreCust2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 603.5]259816.42%186273628.33%2.53
2(603.5, 723.5]496347.79%3936102720.69%3.83
3(723.5, 747.5]124755.67%102022718.20%4.49
4(747.5, 802.5]280773.41%242238513.72%6.29
5(802.5, 844.5]162583.68%14841418.68%10.52
6(844.5, inf]2582100.00%24611214.69%20.34
合计1582213185263716.67%5.00
dxm_2025v2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 379.5]265716.79%195070726.61%2.76
2(379.5, 387.5]164827.21%126838023.06%3.34
3(387.5, 398.5]274444.55%221453019.31%4.18
4(398.5, 412.5]374568.22%314859715.94%5.27
5(412.5, 438.5]354890.65%318636210.20%8.80
6(438.5, inf]1480100.00%1419614.12%23.26
合计1582213185263716.67%5.00
score92663
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 38.77465057373047]259316.52%24441495.75%16.40
2(38.77465057373047, 46.850149154663086]318736.82%283535211.04%8.05
3(46.850149154663086, 54.091299057006836]341558.57%284756816.63%5.01
4(54.091299057006836, 59.89684867858887]277176.23%221156020.21%3.95
5(59.89684867858887, 66.37909698486328]223690.47%171352323.39%3.28
6(66.37909698486328, inf]1496100.00%104145530.41%2.29
合计1569813091260716.61%5.02
model_risk_v9_stongyong_score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 38.5]295018.79%27801705.76%16.35
2(38.5, 44.5]236633.85%211525110.61%8.43
3(44.5, 48.5]204446.87%174829614.48%5.91
4(48.5, 54.5]312866.79%257055817.84%4.61
5(54.5, 64.5]378490.89%292386122.75%3.39
6(64.5, inf]1431100.00%95947232.98%2.03
合计1570313095260816.61%5.02
model_risk_v9_sxiaojin_score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 35.5]226014.39%21431175.18%18.32
2(35.5, 42.5]290232.87%26162869.86%9.15
3(42.5, 50.5]466462.57%396070415.09%5.62
4(50.5, 53.5]162872.94%129932920.21%3.95
5(53.5, 58.5]210486.34%159451024.24%3.13
6(58.5, inf]2145100.00%148366230.86%2.24
合计1570313095260816.61%5.02
model_1034467
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.0710735023021698]153510.16%1453825.34%17.72
2(0.0710735023021698, 0.08746149763464928]304430.30%273431010.18%8.82
3(0.08746149763464928, 0.0934550017118454]114437.87%99115313.37%6.48
4(0.0934550017118454, 0.09958449751138687]141547.23%116824717.46%4.73
5(0.09958449751138687, 0.16508999466896057]605387.29%4835121820.12%3.97
6(0.16508999466896057, inf]1921100.00%143448725.35%2.94
合计1511212615249716.52%5.05
model_1034468
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.07395549863576889]190712.62%17891186.19%15.16
2(0.07395549863576889, 0.08735150098800659]334034.72%288545513.62%6.34
3(0.08735150098800659, 0.09519950300455093]173546.20%145428116.20%5.17
4(0.09519950300455093, 0.13253449648618698]435775.03%354481318.66%4.36
5(0.13253449648618698, 0.1800609976053238]253291.79%199753521.13%3.73
6(0.1800609976053238, inf]1241100.00%94629523.77%3.21
合计1511212615249716.52%5.05
score_50021
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.005150000099092722]12027.77%1154483.99%24.04
2(0.005150000099092722, 0.007949999999254942]160818.16%14891197.40%12.51
3(0.007949999999254942, 0.014750000089406967]443346.82%387256112.66%6.90
4(0.014750000089406967, 0.02075000014156103]321467.59%265955517.27%4.79
5(0.02075000014156103, 0.03645000047981739]365591.22%279685923.50%3.25
6(0.03645000047981739, inf]1359100.00%93542431.20%2.21
合计1547112905256616.59%5.03
zszs_xy_score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 685.5]14669.41%108238426.19%2.82
2(685.5, 696.5]190521.65%146444123.15%3.32
3(696.5, 712.5]443150.11%363579617.96%4.57
4(712.5, 731.5]483681.16%413869814.43%5.93
5(731.5, 742.5]156591.21%14111549.84%9.16
6(742.5, inf]1368100.00%12591097.97%11.55
合计1557112989258216.58%5.03
xmf_v11xj
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 397.5]255916.38%198257722.55%3.44
2(397.5, 410.5]265533.38%214051519.40%4.16
3(410.5, 433.5]486864.54%399986917.85%4.60
4(433.5, 444.5]155374.48%130924415.71%5.36
5(444.5, 474.5]276992.20%245831111.23%7.90
6(474.5, inf]1218100.00%1138806.57%14.22
合计1562213026259616.62%5.02
bh_CO4001score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 36.5]14789.34%1398805.41%17.48
2(36.5, 39.5]136317.96%12471168.51%10.75
3(39.5, 45.5]425244.83%366658613.78%6.26
4(45.5, 47.5]172855.76%144927916.15%5.19
5(47.5, 50.5]250871.61%205445418.10%4.52
6(50.5, inf]4492100.00%3370112224.98%3.00
合计1582113184263716.67%5.00
PY083P
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 571.5]312619.90%230482226.30%2.80
2(571.5, 597.5]221834.02%177144720.15%3.96
3(597.5, 629.5]329354.98%273455916.98%4.89
4(629.5, 674.5]369378.49%317352014.08%6.10
5(674.5, 725.5]202291.36%18251979.74%9.26
6(725.5, inf]1357100.00%1294634.64%20.54
合计1570913101260816.60%5.02
risk_v8_slowirr
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 21.5]13538.62%1308453.33%29.07
2(21.5, 31.5]191020.79%17571538.01%11.48
3(31.5, 46.5]402946.45%349253713.33%6.50
4(46.5, 61.5]435874.21%355680218.40%4.43
5(61.5, 70.5]225188.55%173551622.92%3.36
6(70.5, inf]1797100.00%124355430.83%2.24
合计1569813091260716.61%5.02
mobile_fixed_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 4.5]258216.39%211047218.28%4.47
2(4.5, 6.5]292134.93%228463721.81%3.59
3(6.5, 7.5]363357.98%294868518.85%4.30
4(7.5, 8.5]273575.34%230842715.61%5.41
5(8.5, 9.5]266792.27%236530211.32%7.83
6(9.5, inf]1218100.00%11151038.46%10.83
合计1575613130262616.67%5.00
adr_stability_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 3.5]529733.62%4049124823.56%3.24
2(3.5, 5.5]160243.79%128731519.66%4.09
3(5.5, 6.5]150853.36%126524316.11%5.21
4(6.5, 7.5]230768.00%198032714.17%6.06
5(7.5, 9.5]360390.87%321339010.82%8.24
6(9.5, inf]1439100.00%13361037.16%12.97
合计1575613130262616.67%5.00
have_car_prob_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]963361.14%7705192820.01%4.00
2(1.5, inf]6123100.00%542569811.40%7.77
合计1575613130262616.67%5.00
have_fang_prob_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]1051266.72%8578193418.40%4.44
2(1.5, inf]5244100.00%455269213.20%6.58
合计1575613130262616.67%5.00
last_6m_avg_asset_total_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]799050.71%6463152719.11%4.23
2(1.5, 2.5]119558.30%101817714.81%5.75
3(2.5, 3.5]300277.35%252747515.82%5.32
4(3.5, 5.5]183989.02%158325613.92%6.18
5(5.5, inf]1730100.00%153919111.04%8.06
合计1575613130262616.67%5.00
tot_pay_amt_6m_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]587137.26%4534133722.77%3.39
2(1.5, 2.5]213150.79%178135016.42%5.09
3(2.5, 3.5]143759.91%122721014.61%5.84
4(3.5, 5.5]310779.63%269641113.23%6.56
5(5.5, 7.5]171090.48%153018010.53%8.50
6(7.5, inf]1500100.00%13621389.20%9.87
合计1575613130262616.67%5.00
first_loan_length_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]205013.01%153251825.27%2.96
2(1.5, 4.5]124420.91%90334127.41%2.65
3(4.5, 6.5]268037.92%212855220.60%3.86
4(6.5, inf]9782100.00%8567121512.42%7.05
合计1575613130262616.67%5.00
avg_bal_6m_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]787749.99%6243163420.74%3.82
2(1.5, 3.5]205863.06%172133716.38%5.11
3(3.5, 4.5]127671.15%110916713.09%6.64
4(4.5, 7.5]290889.61%256134711.93%7.38
5(7.5, inf]1637100.00%14961418.61%10.61
合计1575613130262616.67%5.00
repay_amt_6m_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]810751.45%6344176321.75%3.60
2(1.5, 4.5]273368.80%227046316.94%4.90
3(4.5, 5.5]149178.26%130918212.21%7.19
4(5.5, 6.5]138287.03%12761067.67%12.04
5(6.5, inf]2043100.00%19311125.48%17.24
合计1575613130262616.67%5.00
positive_biz_cnt_1y_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]467329.66%3655101821.78%3.59
2(1.5, 3.5]184241.35%150633618.24%4.48
3(3.5, 8.5]133749.83%107626119.52%4.12
4(8.5, inf]7904100.00%6893101112.79%6.82
合计1575613130262616.67%5.00
risk_score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]398125.27%37272546.38%14.67
2(1.5, 2.5]508357.53%436272114.18%6.05
3(2.5, 3.5]282975.48%224258720.75%3.82
4(3.5, 4.5]175186.60%133142023.99%3.17
5(4.5, inf]2112100.00%146864430.49%2.28
合计1575613130262616.67%5.00
cust_seg2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 2.5]361322.93%33192948.14%11.29
2(2.5, 3.5]791473.16%6652126215.95%5.27
3(3.5, inf]4229100.00%3159107025.30%2.95
合计1575613130262616.67%5.00
dev_stability_grade2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]184711.72%162122612.24%7.17
2(1.5, 2.5]633251.91%542790514.29%6.00
3(2.5, 3.5]399677.27%328571117.79%4.62
4(3.5, inf]3581100.00%279778421.89%3.57
合计1575613130262616.67%5.00
repayment_ability_rank2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]166510.57%15061599.55%9.47
2(1.5, 2.5]424537.51%370454112.74%6.85
3(2.5, 3.5]555172.74%4551100018.01%4.55
4(3.5, inf]4295100.00%336992621.56%3.64
合计1575613130262616.67%5.00

13 压力测试

注：验证压力情境下模型的有效性和区分能力稳定性：a.坏浓度更高样本 b.时间外样本 c.特定特征客群 d.极端时间样本。当前流程自动生成情景1（跨时间 OOT 样本），其余情景需人工构造样本后补充。

测试情景1：跨时间(OOT)样本

变量贡献度

变量贡献度
repay_amt_6m_grade0.3383
risk_score0.2126
ScoreCust20.1966
dxm_2025v20.1672
score_500210.1498
ScoreCust10.1463
avg_bal_6m_grade0.1270
model_risk_v9_sxiaojin_score0.1262
first_loan_length_grade0.0934
zszs_xy_score0.0739

区分度验证 — LR + WOE 评分卡 @ OOT

KS = 0.2546，GINI = 0.3492

组号分数区间(PD)样本数累计占比GoodBad累计Good占比累计Bad占比分组坏率累计坏率分组Odds累计Odds
10.0107 ~ 0.043849610.01%4732312.15%2.17%4.64%4.64%20.5720.57
20.0439 ~ 0.065149520.00%4415411.33%7.26%10.91%7.77%8.1711.87
30.0651 ~ 0.087249530.00%4118410.55%15.19%16.97%10.83%4.898.23
40.0872 ~ 0.108549640.01%4187810.73%22.55%15.73%12.06%5.367.29
50.1087 ~ 0.133349550.00%4128310.58%30.38%16.77%13.00%4.966.69
60.1334 ~ 0.161449559.99%3831129.84%40.94%22.63%14.60%3.425.85
70.1614 ~ 0.193949670.00%3771199.68%52.17%23.99%15.95%3.175.27
80.1939 ~ 0.238149580.00%3601359.24%64.91%27.27%17.36%2.674.76
90.2382 ~ 0.298349589.99%3351608.60%80.00%32.32%19.02%2.094.26
100.2984 ~ 0.5761496100.00%2842127.29%100.00%42.74%21.40%1.343.67
TOTALS49543894106021.40%—3.67